Equipment Financing

Equipment Financing — Stop Losing Jobs to Outdated Equipment

New or used equipment. Vehicles, machinery, medical devices, restaurant buildouts. Finance up to 100% of the cost with terms that fit your cash flow. From startup-friendly programs to conventional bank financing.

Preserve your cash for new opportunities
Predictable payments you can plan around
No hard credit pull to apply
New and used equipment eligible

$500K+

Max Funding

6–72 Mo

Terms

2–6 Yr

Terms

New & Used

Eligible

5.0 ★★★★★

Trust Index Verified

Simple Process

How It Works

From application to funding - transparent, fast, and built around you.

Apply in 2 Minutes

Quick application. No hard credit pull. No obligation. We just need the basics to start finding your best options.

Review Your Options

We get you pre-approved across our lender network and present your best options so you can make an informed decision. Full transparency on rates, terms, and total cost.

Get Funded

Choose the option that fits your business. Sign your docs and get funded in as little as 24 hours.

Pre-Approved

Approved Amount

$85,000

Commercial Kitchen Package - Used

Term 48 months

Monthly Payment $2,124.50

Rate 12.5% APR

Accept and Fund

Equipment Loan Programs

Equipment Financing Matched to Your Industry

We work with lenders across the country to find you the best rate, term, and structure for your equipment purchase.

Amount Range

$5K – $500K+

Terms Available

6 to 72 Months

Access Speed

Funding in as Little as 48hrs

Matched to Your Industry and Equipment Type

Different equipment requires different financing structures. We know which lenders specialize in your industry and match you to the right program based on your equipment type, business profile, and how you plan to use it. One application, and we do the rest.

Plan Your Financing

Estimate Your Equipment Financing

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

Equipment Financing Calculator

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

Equipment Cost $50,000

Interest Rate (APR) 15%

Term Length 48 Months

Monthly Payment $1,392

Total Cost $66,793

Total Interest $16,793

Who Qualifies?

Baseline requirements across our lender network.

Credit Score

580+

Time in Business

1+ Year

Annual Revenue

$150K+

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 We Finance

Built for Every Industry

From heavy machinery to medical devices, we match you with the right financing for your equipment.

Manufacturing & Industrial

CNC machines, lathes, presses, welding equipment, assembly line upgrades. Finance the equipment that keeps your production running and growing.

Vehicles & Fleet

Box trucks, service vans, delivery vehicles, trailers, specialized commercial vehicles. Scale your fleet without draining your cash reserves.

Medical & Dental

Imaging equipment, dental chairs, lab instruments, practice buildout equipment. Upgrade your practice without sacrificing patient care budgets.

Restaurant & Food Service

Commercial ovens, walk-in coolers, point-of-sale systems, full kitchen buildouts. Get the kitchen equipment you need to open, expand, or upgrade.

Construction & Trades

Excavators, cranes, HVAC systems, electrical tools, heavy machinery. Stop renting. Start owning the equipment that drives your revenue.

Technology & Office

Servers, networking equipment, specialized software licenses, office buildouts. Stay competitive with the technology your business demands.

Client Success Stories

Kitchen Buildout

$180K Restaurant Equipment Package Financed in 5 Days

"We were opening our second location and needed everything from ovens to walk-in coolers."

A restaurant group expanding to a second location needed a full commercial kitchen package. Traditional banks wanted 30% down and 6 weeks of paperwork. We matched them with a lender who financed 100% of the equipment cost with a 60-month term. Equipment delivered and installed while the buildout was still in progress.

Fleet Expansion

12 Service Vans Financed to Scale a Plumbing Company

"We had the contracts. We just needed the trucks to service them."

A plumbing company landed a major commercial maintenance contract but needed to double their fleet fast. We structured financing for 12 service vans with staggered delivery, keeping monthly payments manageable against the new revenue. Funded in under a week, vehicles on the road within two weeks.

Medical Practice

$250K Imaging Equipment Upgraded Without Draining Reserves

"The old machine was costing us patients. We couldn't wait another year."

A medical practice needed to replace aging imaging equipment that was driving referrals to competitors. We secured financing with a 72-month term that kept monthly payments below what they were losing in patient volume. New equipment installed, patient volume recovered within 90 days.

Construction Equipment

$120K Excavator Financed for a Growing Contractor

"Renting was eating our margins. Owning changed everything."

A general contractor was spending $4K/month renting an excavator they used on nearly every job. We financed the purchase with a 48-month term at $2,800/month. The $1,200/month savings went straight to the bottom line, and the equipment became an asset on the balance sheet.

Compare Your Options

Which Financing Option Fits?

Not sure if equipment financing is the right move? Here's how it stacks up against other options.

	Equipment Financing	SBA Loan	Leasing	Business Loan
Approval Speed	As fast as 48 hours	4–8 weeks	1–2 weeks	As fast as 24 hours
Equipment Ownership	Yes, you own it	Yes, you own it	No, return at end	N/A
Down Payment	As low as $0	Not required	First + last month	None
Tax Benefits	✓	✓	✗	✗
Credit Requirement	580+	680+	620+	550+
Collateral	Equipment is collateral	Equipment + personal guarantee	N/A	Varies
Best For	Specific equipment purchases	Large purchases with lowest rates	Short-term use	Working capital
		Learn More	Learn More	Learn More

Common Questions

Equipment Financing FAQs

Straight answers. No fine print games.

What types of equipment can I finance?+

Nearly any business equipment: vehicles, machinery, medical devices, restaurant equipment, construction equipment, technology, office equipment, and more. Both new and used equipment qualify. If it has a useful business purpose and holds value, it can likely be financed.

Do I need a down payment?+

Not always. Many of our lender programs offer 100% financing, meaning no money down. Down payment requirements depend on your credit profile, time in business, and the equipment type. Stronger profiles typically qualify for zero-down options.

Will applying affect my credit score?+

No. Our initial application uses a soft credit pull, which does not affect your credit score. A hard pull only happens if you decide to move forward with a specific lender offer, and we always let you know before that step.

Can I finance used equipment?+

Yes. Many of our lender programs finance both new and used equipment. Used equipment may have slightly different terms depending on age and condition, but it is absolutely an option. We will match you with lenders who work with your specific situation.

How fast can I get funded?+

Most equipment financing closes within 2-5 business days from completed application. Some programs can fund in as little as 24-48 hours. Timeline depends on equipment type, deal size, and how quickly you provide documentation.

What are the tax benefits of equipment financing?+

Equipment purchases may qualify for the Section 179 tax deduction, which allows you to deduct the full purchase price of qualifying equipment in the year it is purchased rather than depreciating it over time. Consult your tax advisor for specifics on how this applies to your business.