Equipment Financing Loans
Lease or finance the equipment your business needs to grow and operate.
Equipment Leasing
You borrow funds to purchase equipment and own it from day one. Schedule payments until the loan is paid off.
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Build equity as you pay
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Own the equipment immediately
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Trade-in or resell when paid off
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Eligible for Section 179 tax deduction
Leasing vs. Equipment Financing
Equipment Financing (Loan)
You rent out equipment with the choice to return, purchase, or upgrade at lease end.
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May include maintenance packages
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Lower monthly payments
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Easier to upgrade to new models
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100% tax deductible payments
Equipment We Finance
Medical
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Dental tools and chairs
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Lab equipment
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Imaging equipment (CT, MRI, X-ray)
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Surgical instruments
Construction
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Forklifts and cranes
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Excavators and bulldozers
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Paving and concrete equipment
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Backhoes and loaders
Transportation
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Vans and fleet vehicles
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Specialized transport
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Shuttles and buses
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Trailers and commercial trucks
Technology
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Security systems
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Data centers and servers
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Hardware and software
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Telecom equipment
Restaurant
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Refrigeration units
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Food prep equipment
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Commercial ovens and ranges
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POS systems
Manufacturing
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Industrial ovens
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CNC machines and lathes
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Quality control systems
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Assembly line equipment
Best Use Cases
Tax advantages: Leverage Section 179 or bonus depreciation
Expanding capacity: Add equipment to take on more work without cash outlay
Startups & new ventures: Get operational without depleting startup capital
Seasonal businesses: Receive equipment before busy season, pay from revenue
Replacing aging assets: Upgrade to newer and more efficient equipment
Approval Speed
24-72 hours of approval, funding typically within 3-7 days.
Interest Rates
APR typically ranges from 6% to 30%, based on equipment type and credit.
Loan Amounts
$25,000 to $2M+, depending on business strength and equipment type.
Key Features
Terms
Ranges from 12 to 84 months, aligned with useful life of the equipment.
Equipment Condition
New and used equipment eligible. Used typically 2 to 5 years old max.
Down Payment
0-20% depending on equipment condition and credit profile.
Qualification Requirements
Minimum Criteria
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No recent bankruptcies
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At least 2 years in business (1 year for strong credit)
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Equipment must be for business use
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Personal credit score of 650+ (Those with higher scores get better rates)
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Positive cash flow or breakeven operations
Documentation Needed
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ID or Driver's license
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Business formation documents
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Voided business check
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2-3 months of business bank statements
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Equipment quote or invoice from vendor
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We help entrepreneurs unlock the growth their business deserves with our flexible funding.