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Equipment Financing โ€” Put Revenue-Generating Assets to Work Without Draining Cash

Acquire the machinery, vehicles, or technology your business needs โ€” while preserving working capital for operations. Equipment serves as collateral for easier approval.

Get My Equipment Financing Quote โ†’
Equipment Financing
Asset-Backed
$10Kโ€“$2M+
Equipment Cost
5โ€“20%
APR Range
24โ€“84 mo
Term Length

Finance the Equipment. Keep the Cash Flow.

One of the most common mistakes we see from growing businesses: depleting cash reserves to buy equipment outright. Equipment financing lets you put that asset to work immediately while spreading the cost over 2โ€“7 years โ€” and in most cases, the revenue the equipment generates covers the payment.

We work with a network of equipment lenders covering every major industry and asset type. Whether you need one truck or a fleet, one medical device or a full clinical setup, we find the financing structure that fits.

  • $10,000โ€“$2,000,000+ in equipment financing
  • Loans and leases โ€” purchase or use the equipment
  • 2โ€“7 year repayment terms
  • New and used equipment eligible
  • Section 179 tax deduction guidance
  • Industry-specific programs (construction, medical, transportation, etc.)

Equipment We Finance

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Vehicles & Fleets
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Construction Equipment
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Medical Devices
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Technology & IT
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Restaurant Equipment
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Manufacturing

Equipment Financing Is the Right Move When...

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You Don't Want to Drain Working Capital

Paying cash for equipment wipes out your reserves and leaves you vulnerable. Financing it preserves your cash for payroll, operations, and unexpected expenses.

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The Equipment Will Generate Revenue

If the equipment directly generates income โ€” a truck, a diagnostic machine, a production line โ€” financing it is often a straightforward ROI calculation. The asset pays for itself.

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You Want Easier Approval Than Unsecured Loans

Because the equipment itself secures the loan, lenders take on less risk โ€” which means approval requirements are often more flexible than for unsecured business loans.

How Equipment Financing Works With Us

From quote to funded in as little as 24โ€“48 hours for some programs.

1

Tell Us What You Need

Share the equipment type, approximate cost, new or used, and your intended use. We identify the right financing structure โ€” loan vs. lease, term length, lender โ€” for your situation.

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2

Application & Approval

We match you to the right lender and guide you through a streamlined application. Many equipment financing programs require minimal documentation โ€” especially for amounts under $150K.

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3

Fund & Deploy

Funds go directly to the equipment seller. For lease programs, you begin using the equipment immediately. For loans, you own the equipment outright once the loan is repaid.

Why Equipment Financing Makes Sense

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Preserve Working Capital

Keep your cash in the business. Finance the asset and let it generate the revenue that covers its own payment.

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Tax Advantages

Section 179 deductions and bonus depreciation may allow you to deduct the full cost of financed equipment in the year of purchase. We connect you with guidance on this.

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Fast Approval

Equipment loans under $150K are often approved within 24โ€“48 hours with minimal documentation โ€” significantly faster than conventional business loans.

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Flexible Structures

Choose between a loan (own it) or a lease (use it, upgrade later). We help you determine which structure makes more financial sense for your business model.

EQUIPMENT FINANCING CALCULATOR

Use the calculator to explore payment scenarios, then see if you meet the baseline qualifications.

Equipment Financing Calculator

Estimate your payments based on equipment cost, rate, and term.

Equipment Cost $250,000
Interest Rate (APR) 15%
Term Length 36 Months
Monthly Payment $0
Total Cost $0
Total Interest $0
See Terms and Rates I Qualify For

Who Qualifies?

Baseline requirements across our lender network.

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Credit Score
600+
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Time in Business
6+ Months
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Annual Revenue
No Minimum (Asset-Based)
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Equipment Quote
Quote or Invoice Required

These are minimums across our lender network. Many of our clients exceed these thresholds and qualify for better rates and terms.

Strongest profiles: 2+ years in business, $250K+ annual revenue, and 650+ credit score. But every client is different. We work with lenders who evaluate the full picture.

Equipment Financing Questions

Can I finance used equipment?

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Yes. Most equipment lenders will finance used equipment, though the loan-to-value ratio may be lower and the term shorter than for new equipment. Some lenders also require an appraisal for older or high-value used equipment. We work with lenders who specialize in used asset financing across multiple industries.

What credit score do I need?

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Equipment financing has more flexible credit requirements than unsecured loans because the equipment itself collateralizes the deal. Many programs are available for scores as low as 600. For scores below 600, some industry-specific lenders still work with borrowers based on the equipment value and business revenue.

Loan vs. lease โ€” which is better?

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A loan means you own the equipment and build equity over time โ€” better for long-life assets you plan to keep. A lease means you use the equipment for a set period and can upgrade at the end โ€” better for technology or equipment that depreciates or becomes obsolete quickly. We walk through the financial comparison with you based on your specific situation.

What's the maximum I can finance?

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There's no hard cap โ€” we've helped clients finance single pieces of equipment ranging from $15,000 to $2,000,000+. For larger amounts, lenders may require more extensive financial documentation, a larger down payment, or additional collateral beyond the equipment itself.

Finance the Equipment. Keep the Capital.

Tell us what you need and we'll find the fastest path to getting it funded.