Equipment financing lets you spread the cost of a vehicle, machine, or system across its useful life. Because the equipment secures the loan, approval is easier and rates are lower than unsecured products — and you keep your cash for operations.
Best for
- Construction, transportation, medical, manufacturing, and restaurant businesses
- Replacing aging equipment or scaling capacity to meet demand
- Owners who want to preserve working capital and take Section 179 deductions
What you'll need
- Vendor quote or invoice for the equipment
- 6+ months in business (startups considered with strong credit)
- Owner credit typically 600+
- Basic business bank statements
How it works
- Send us the quote — new or used equipment, any vendor
- We match the deal to lenders who specialize in your equipment type
- Lender pays the vendor directly; you take delivery and start payments
Common questions
Loan or lease?
Both are available. Loans build equity; leases keep payments lower and make upgrades easy. We'll model both for you.
Can I finance used equipment?
Yes, from dealers and in many cases from private sellers.
What about a down payment?
Many programs are 100% financed. Stronger files can also roll in soft costs like delivery and installation.