What Is Equipment Financing?
Buy or lease any business equipment without draining your working capital.
Equipment financing is a loan or lease specifically used to purchase or upgrade business equipment. Unlike other business loans, the equipment itself serves as collateral — which means lower risk for lenders, lower rates for you, and less need for a large down payment or separate collateral.
You make fixed monthly payments over a set term (typically 2–7 years) while using the equipment to generate revenue from day one. At the end of the term, you own it outright. It's one of the smartest ways to grow your business without depleting your cash reserves.
Equipment We Can Finance
If your business uses it, we can finance it.
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Commercial Trucks & Vehicles
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Construction & Heavy Machinery
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Restaurant & Kitchen Equipment
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Medical & Dental Equipment
How It Works
Fast, simple, and designed for busy business owners.
1
Tell Us What You Need
New or used equipment, any type. Tell us the cost and what it's for — we'll find the right financing structure.
2
We Shop 50+ Lenders
Equipment-specific lenders compete for your deal. We bring you the best rate, term, and monthly payment.
3
Get Funded & Get to Work
Lender pays the vendor directly (or funds you). Equipment arrives. You start generating revenue with it immediately.
Qualification Requirements
Equipment financing is one of the more accessible forms of business funding.
Time in Business
6+ months
Credit Score
550+ (flexible)
Down Payment
0%–10% typical
Financing Amount
$5K – $5M
Equipment Financing FAQs
Your questions answered.
What is equipment financing? ▲
Equipment financing is a loan or lease used to purchase business equipment. The equipment itself serves as collateral, which means you don't need to put up other business assets to qualify. You get the equipment now and repay the cost over time with fixed monthly payments.
What types of equipment can I finance? ▼
Almost any business equipment qualifies: commercial trucks and vehicles, restaurant and kitchen equipment, construction and heavy machinery, medical and dental equipment, technology and computers, manufacturing equipment, salon and spa equipment, and more. If your business uses it to generate revenue, we can likely finance it.
Do I need a down payment? ▼
Most equipment financing requires little to no down payment — sometimes 0%. Because the equipment itself is the collateral, lenders take on lower risk and often finance the full purchase price. This lets you get the equipment without depleting your working capital.
How fast can I get equipment financing? ▼
Equipment financing is typically approved and funded within 1–3 business days for amounts under $150,000. Larger purchases may take 3–5 days for additional underwriting. Either way, it's significantly faster than a traditional bank equipment loan.
Can I finance used equipment? ▼
Yes — many lenders in our network finance both new and used equipment. Used equipment may have slightly different terms depending on age and condition, but it's absolutely financeable in most cases. Let us know what you're looking at and we'll find the right lender.
Explore Other Funding Options
We offer every type of business financing — we'll match you to the right one.