Equipment Financing
Finance the machinery, vehicles, and technology your business runs on — using the equipment itself as collateral.
Get the equipment, keep your cash.
Equipment financing covers the machinery, vehicles, or technology your business needs, with the asset itself serving as collateral. Because the equipment secures the loan, you can often finance up to 100% of the purchase price and preserve your working capital for everything else.
Spread the cost over the useful life of the asset — typically one to six years — and put the equipment to work earning revenue from day one. There may also be meaningful tax advantages to financing rather than paying cash.
When you need to buy what runs the business.
Best for any business acquiring durable, revenue-producing assets.
- Buying machinery for a manufacturing line
- Adding vehicles, trucks, or service vans to a fleet
- Upgrading kitchen or restaurant equipment
- Purchasing medical, dental, or imaging technology
- Acquiring construction or heavy equipment
- Outfitting a new location with tools and tech
From quote to keys in days.
Pick your equipment
Get a quote from your vendor for the machine, vehicle, or technology you need.
Apply with the quote
Submit a quick application along with the vendor quote. Soft pull to start.
Approve & fund
We finance up to 100% and pay the vendor directly, often within one to three days.
Put it to work
Take delivery and start earning while you repay over the asset's useful life.
Transparent pricing, no surprises.
Your exact rate depends on time in business, revenue, and credit profile. Here's the typical range.
| Detail | Range |
|---|---|
| Amount | $10,000 – $2,000,000 |
| Financing | Up to 100% of cost |
| APR | 8% – 25% |
| Term | 1 – 6 years |
| Down payment | $0 – 10% typical |
| Collateral | The equipment itself |
Figures are illustrative for this demonstration site. Actual rates, fees, and terms are set during underwriting.
What you'll need to qualify.
Because the equipment secures the financing, approval is often straightforward. Typical baselines:
- 6+ months in businessTime operating shows us a track record to underwrite against.
- $15,000+ monthly revenueConsistent revenue demonstrates you can support the financing alongside operations.
- 500+ credit scoreThe asset as collateral means we can work with a broad range of credit profiles.
Benefits of equipment Financing.
Up to 100% financing
Cover the full purchase price and keep your cash for payroll, inventory, and growth.
Equipment is the collateral
The asset secures the loan, so you typically don't pledge other property.
Potential tax advantages
Financing may let you deduct payments or depreciation — ask your accountant about Section 179.
Fast funding
Approvals in as little as a day, with the vendor paid directly so you take delivery quickly.
Match cost to useful life
Spread payments across the years the equipment earns you revenue.
Preserve other credit
Keep your line of credit and reserves free for opportunities and emergencies.
Equipment Financing FAQ.
Almost any durable business asset — manufacturing machinery, vehicles, restaurant and kitchen equipment, medical and dental technology, construction gear, computers, and more.
In many cases, yes. Because the equipment serves as collateral, qualified businesses can often finance the full purchase price with little or no money down.
Often. Equipment financing may allow you to deduct payments or take depreciation, and Section 179 can let you expense qualifying purchases. Confirm details with your tax advisor.
On a standard finance agreement, you own the equipment outright once it's paid off.
Other ways to access capital.
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This product is a frequent fit for these sectors — explore funding tailored to yours.
Equip your business to grow.
Apply in five minutes and see real offers — with no impact to your credit score.