Own the tools your business needs — without draining your cash reserves.
$5K – $5M
Loan Amount
4% – 12%
Typical APR
2 – 7 years
Loan Term
1 – 5 days
Funding Time
Equipment financing lets businesses purchase or lease the machinery, vehicles, technology, and tools they need to operate and grow. The equipment itself serves as collateral, making it easier to qualify than unsecured loans, with predictable fixed monthly payments.
Minimum Credit Score
620+
Heavy Machinery
Construction equipment, manufacturing machines & industrial tools
Commercial Vehicles
Trucks, vans, forklifts & company fleet vehicles
Technology & IT
Servers, computers, software systems & telecom gear
Medical Equipment
Diagnostic machines, dental chairs & medical devices
Restaurant Equipment
Commercial ovens, refrigeration units & kitchen appliances
Office Fit-Out
Furniture, fixtures, signage & build-out costs
From application to funding — here is exactly what to expect when applying for a Equipment Financing.
Know exactly what equipment you need and get a vendor quote before applying.
Submit your application online with basic business details and the equipment invoice.
Most applicants receive a credit decision within 24 hours. Minimal documentation needed.
Lender pays the vendor directly. You receive the equipment and begin fixed monthly payments.
Min. Credit Score
620+
Time in Business
1+ year
Annual Revenue
$50K+
Down Payment
0% – 20%
Collateral
Equipment itself
Equipment Age
New or used
Advantages
Equipment serves as collateral — easier to qualify
Fast approvals, often same-day
100% financing available on some equipment
Potential tax deductions (Section 179)
Considerations
Equipment may depreciate faster than loan
Restricted to specific equipment purchases
Higher rates for older or specialized equipment
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.