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Asset-Backed Funding

Equipment Financing

Don't let aging equipment or lack of capacity slow your growth. Secure the physical assets you need to run your business with up to 100% financing, fast approvals, and tax-advantaged structures.

Get Equipment Quotes

Program Details

  • Funding Amount Up to 100% of Equipment Value
  • Eligible Assets Machinery, Vehicles, Tech, Medical
  • Collateral Requirement The equipment itself serves as collateral

Never Turn Down a Big Job Again

You just won a massive contract, but there is a problem: you don't have enough trucks, excavators, or manufacturing equipment to fulfill the order on time. Or perhaps you are outfitting a new restaurant kitchen, or upgrading your medical clinic's outdated diagnostic machines.

Making a massive $200,000 cash purchase for equipment completely drains the working capital you need for daily operations, marketing, and payroll. Equipment financing solves this problem by allowing you to acquire the asset immediately while breaking the cost down into predictable monthly payments that the new equipment helps generate.

The "Self-Securing" Advantage

Because the machine, vehicle, or technology you are purchasing acts as the physical collateral for the loan itself, the risk to the lender is lower. This means two major things for you as a business owner:

First, approval rates are significantly higher and underwriting is noticeably faster—even if you have been turned down for unsecured loans. Second, you can often finance up to 100% of the equipment cost, plus soft costs like delivery and installation, meaning $0 out of pocket to get started.

Key Benefits

  • Preserves your liquid working capital
  • Strong approval rates (asset-backed)
  • Upgrade technology before it becomes obsolete
  • Major potential tax benefits (Section 179)
Common Uses:

Replacing broken machinery immediately to prevent downtime, expanding fleet capacity (trucks/vans/yellow iron) to take on new routes or jobs, or outfitting a new location with furniture, fixtures, and IT infrastructure.

Minimum Qualifications

Time in Business: 6+ Months
Min. Revenue: $10k / Month
FICO Score: 600+
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Invoice or quote for the equipment usually required to finalize.

Frequently Asked Questions

Common questions about financing vehicles, software, and heavy machinery.

No, we finance both new and used equipment. As long as the equipment holds value and comes from a reputable dealer (or a verifiable private seller, in some cases), we can structure a financing agreement around it.

Many of our equipment financing programs allow us to roll "soft costs"—such as delivery fees, installation, and even initial service contracts or software training—into the total financed amount, so you still have zero out-of-pocket expenses to get operational.

That depends on how the agreement is structured. With an equipment loan or an Equipment Finance Agreement (EFA), your business owns the equipment from day one, and the lender just places a lien on it. With an equipment lease (like a Fair Market Value lease), the lender owns it, and you have the option to purchase it at the end of the term. We offer both paths and will help you choose the best one for tax and cash flow purposes.
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