Finance the equipment your business needs. Up to $5 million.
Whether it's a truck, an excavator, an X-ray machine, or a commercial oven — equipment financing lets you acquire what your business needs without draining working capital. The equipment itself secures the deal, which means better rates, longer terms, and easier approval than unsecured funding products.
- ✓ Financing from $5,000 to $5 million
- ✓ Terms from 24 to 84 months
- ✓ New or used equipment across most industries
- ✓ Same-day decisions, funded in 24 to 72 hours
Equipment financing across every industry
How equipment financing actually works.
Equipment financing is a secured loan where the equipment you're purchasing serves as collateral. Because there's a physical asset backing the deal — one we can repossess if things go wrong — rates are lower and approval is easier than unsecured products like MCA or unsecured term loans.
You make fixed monthly payments over a set term (typically 24 to 84 months). At the end of the term, you own the equipment outright. Many equipment financing structures require a down payment of 10-20%, though some offer 100% financing depending on your business's financials and the equipment type.
Equipment financing works especially well for businesses that need to acquire capital-intensive assets — trucks, heavy machinery, medical devices, commercial kitchens — without depleting working capital or maxing out unsecured credit.
- ✓ Secured by the equipment itself
- ✓ Fixed monthly payments — predictable budgeting
- ✓ Terms typically 24 to 84 months
- ✓ You own the equipment at end of term
Equipment financing for every business type.
We finance new and used equipment across every major industry. Here are the categories we see most often — but if you don't see yours, call us. We fund far more than we can list.
Trucking & Transportation
Semi-trucks, box trucks, trailers, dump trucks, and specialty vehicles. Both new fleet acquisition and used vehicle purchases for owner-operators and small fleets.
Construction & Heavy Equipment
Excavators, bulldozers, skid steers, backhoes, cranes, and other heavy machinery. Financing available for both individual pieces and complete fleet buildouts.
Medical & Dental
Imaging equipment (MRI, CT, X-ray), dental chairs and CAD/CAM systems, surgical instruments, exam room build-outs, and practice technology.
Restaurant & Food Service
Commercial ovens, refrigeration, POS systems, walk-in coolers, food trucks, and complete kitchen build-outs for new locations or expansions.
Technology & IT
Servers, computers, networking equipment, software packages, POS systems, and specialized IT infrastructure. Includes financing for both hardware and licensed software.
Manufacturing & Industrial
CNC machines, presses, industrial printers, packaging equipment, forklifts, and other production machinery. Both single-machine purchases and full production line financing.
Preserve your working capital. Grow with the equipment.
Paying cash for major equipment purchases is often the wrong move — even when you can afford it. Draining your bank account for a piece of equipment means less flexibility for payroll, inventory, marketing, or the unexpected. Equipment financing lets you acquire what you need without sacrificing working capital.
And because the equipment starts generating revenue as soon as it's in service, most businesses find that the equipment pays for its own financing costs several times over. That's especially true for revenue-generating equipment: trucks that move freight, machines that produce parts, medical devices that bill insurance.
- ✓ Preserve working capital for operations
- ✓ Fixed monthly payments — predictable budgeting
- ✓ Potential tax benefits (Section 179 deductions)
- ✓ Equipment starts generating revenue immediately
Requirements are more flexible for equipment.
Because the equipment itself secures the deal, qualification is often easier than for unsecured products. Newer businesses, businesses with credit challenges, and businesses that don't qualify for bank loans still often qualify for equipment financing.
From application to funded — typically 24 to 72 hours.
Equipment financing takes slightly longer than MCA because we need to verify the equipment itself. Here's what to expect.
Apply with equipment details
Complete our short online application. We'll need basic business info, recent bank statements, and details about the equipment — make, model, year, cost, and seller information (if you have a specific piece identified).
Start now →
Underwriting reviews business & equipment
Our team evaluates your business's revenue and the equipment being financed. We verify the equipment's value, condition, and seller. Most decisions come within 24 hours, along with written offer terms — advance amount, monthly payment, and total term.
See our full process →
Funds go to the seller
Once you sign the financing agreement, funds are typically wired directly to the equipment seller. You take possession of the equipment and start making fixed monthly payments. The equipment is yours to use immediately — full ownership transfers at end of term.
Apply now →Common questions.
Straight answers about equipment financing. For our complete FAQ, see our full FAQ page.
See our full FAQ →How is equipment financing different from an MCA?
What kinds of equipment do you finance?
How much can I finance?
Do you finance used equipment?
Do I need to make a down payment?
Can I get equipment financing if my business is new?
Are there tax benefits to equipment financing?
What happens if my business can't make payments?
Not looking for equipment?
We have other business funding products that might fit your situation better. All four products serve different needs.
Merchant Cash Advance
Fast, revenue-based capital paid back as a percentage of daily receipts.
Learn more →Term Loans
Fixed-amount capital repaid on a set schedule. 3-60 month terms.
Learn more →Business Line of Credit
Flexible credit you can draw from as needed. Pay interest only on use.
Learn more →You know the equipment you need.
Let's finance it.
Apply online in 3 minutes, or call a business funding specialist directly. Same-day decisions on most equipment financing applications. No cost to apply, no obligation.
Same-day decisions · No upfront fees · Habla Español