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Equipment Financing

Finance the equipment, keep your cash.

New or used — vehicles, machinery, kitchen, tech, and more — often up to 100% of cost, with the equipment itself as the collateral.

Business owner beside a new work van in a workshop
$10K–$3M
Amount
Up to 10 yr
Term length
To 100%
Financed
24–72 hr
Closing

Add equipment without draining cash flow

Equipment financing uses the equipment you're buying as collateral, so you can acquire what your business needs without a big upfront hit. We cover roughly 90% of industries, finance both new and used, and even handle private-party transactions.

Why owners choose it

  • Up to 100% of cost financed
  • Same-day approvals available (app-only up to $100K)
  • 550 minimum FICO
  • Titled equipment OK
  • FMV, EFA, $1 buyout, and 10% buyout leases
  • Private-party transactions welcome

What you can finance

  • Kitchen equipment & POS systems
  • Box, utility & flatbed trucks
  • Computers & software
  • Commercial printers & machine tools
  • Medical & specialty equipment, trailers, cranes
Commercial equipment in productive use

Get the equipment your business needs — and keep your cash.

What you'll need to apply

Good to know

Common questions

Why is approval faster than other loans?

The equipment itself is the collateral, which lowers the lender's risk. That means looser credit requirements (down to 550) and same-day approvals on app-only deals up to $100K.

Can I finance used or private-party equipment?

Yes. We finance both new and used equipment, and private-party transactions are a specialty of ours — not every lender will do those.

What's the difference between a loan and a lease here?

We offer both, including FMV, EFA, $1-buyout, and 10%-buyout leases. The right structure depends on whether you want to own the equipment outright or keep payments lower — we'll walk you through which makes sense.

What do you need to get started?

Just the invoice or quote for the equipment, a few months of bank statements, and basic application details. Many deals move the same day.

Finance your equipment.

See what you qualify for in five minutes — soft credit pull, no obligation.