Equipment Financing
for Any Business
Get the equipment your business needs today without draining your cash reserves. Finance new or used equipment with competitive rates and terms tailored to your business — from $10K to $5M.
Equipment Financing Overview
We Finance Almost Any Equipment
From restaurant kitchen equipment to heavy construction machinery and medical devices — if your business needs it, we can finance it.
Why Finance Instead of Buy Outright?
Preserve Working Capital
Keep your cash reserves intact for payroll, inventory, and operating expenses. Finance the equipment and pay over time as it generates revenue for your business.
Tax Advantages
Equipment financing may qualify for Section 179 tax deductions, allowing you to deduct the full purchase price of qualifying equipment in the year it's placed in service.
Upgrade and Scale
Finance today's equipment needs without getting locked in. When your needs grow or technology advances, you can upgrade at end of term rather than selling used equipment.
Fast Access to Equipment
Don't wait until you have the full purchase price saved. Get the equipment you need now so you can start generating revenue immediately.
Flexible Terms
Choose terms from 12 to 84 months and structure payments to match your cash flow. We tailor the financing to your business situation, not the other way around.
All Credit Considered
Equipment itself serves as collateral, making approval easier even for businesses with less-than-perfect credit. Your revenue and business history matter more than your FICO score.
Qualification Requirements
Equipment financing has some of the most flexible qualification standards because the equipment itself acts as collateral — reducing risk for both parties.
- 1+ year in business (startups considered case-by-case)
- $10,000+ in monthly revenue
- Credit score 600+ preferred (lower scores considered)
- Active U.S. business bank account
- Quote or invoice for the equipment
- No active bankruptcies (discharged OK)
New or Used Equipment?
We finance both new and used equipment. Used equipment must typically be less than 10 years old and appraised at financing value. We work directly with equipment dealers, private sellers, and auctions.
Equipment Financing FAQ
Can I finance used equipment?
Yes. We finance used equipment up to 10 years old, provided it can be appraised at or near the financing amount. Used equipment often qualifies for the same flexible terms as new equipment.
Do I need a down payment?
Not always. Many equipment financing programs offer 0% down for qualified borrowers. In some cases a small down payment (10–20%) may be required depending on the amount, credit profile, and equipment type.
Is equipment financing different from a business loan?
Yes. Equipment financing uses the equipment itself as collateral, which typically means easier approval and lower rates than an unsecured business loan. The equipment secures the financing — so if you default, the lender can repossess the equipment.
What documents do I need to apply?
Typically: recent bank statements (3–6 months), business tax returns, a quote or invoice for the equipment, and basic business information. We'll walk you through exactly what's needed once you start your application.
Can I finance equipment for a new business?
Startups and newer businesses may qualify depending on the owner's personal credit and the strength of the business plan. We evaluate each situation individually — reach out to speak with a specialist.
Pay Over Time for Large Equipment Purchases
Don't let a large equipment price tag slow your business down. Equipment financing lets you acquire the machinery, vehicles, and technology you need today and pay over time as the equipment generates revenue. Keep your cash reserves intact for payroll, inventory, and growth.
Qualified borrowers can finance 100% of equipment cost with zero money down.
Spread payments over up to 7 years to match the useful life of your equipment.
Deduct the full purchase price of qualifying equipment in the year it's placed in service.
How Pay-Over-Time Equipment Financing Works
1. Choose Your Equipment
New or used, from any dealer, private seller, or auction. Get a quote or invoice for the equipment you need.
2. Apply in Minutes
Submit a simple application. We review your business profile, revenue, and the equipment details.
3. Get Approved Fast
Receive a decision in as fast as 24 hours. We approve applications that banks often decline.
4. Start Using Your Equipment
We fund the dealer directly. Your equipment is delivered and you start making money with it immediately.
Ready to Finance Your Equipment?
Apply in minutes. Get a decision fast. Keep your cash flow intact.
Start My ApplicationOr call (855) 786-1190 to talk to a specialist.