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Funding program

Equipment Financing

Predictable monthly payments make budgeting easy.

Funding amount
Up to $250k
Term
1–5 years
Starting rate
8%
Repayment
Monthly

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Equipment Financing

Is it right for you?

Pick equipment financing when the money is for the machine itself — the equipment secures it, which keeps the rate in check.

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Often used for

  • Trucks and vehicles
  • Kitchen and restaurant gear
  • Construction machinery
  • Medical and salon equipment

The basics

What a equipment financing actually is

Equipment financing spreads the cost of the thing that does the work over the years it will be doing it, instead of landing the whole price in a single month. The equipment itself usually secures the funding, which is why the rate behaves.

It covers replacement as readily as expansion — a machine that has stopped is an emergency with a purchase order attached.

The asset secures it.
Which keeps the rate lower than unsecured funding.
Monthly, and predictable.
Budget around a number that does not change.
New or replacement.
Expanding capacity or replacing what broke.

Step by step

How a equipment financing works

  1. Get a quote for the equipmentNew or used, from the vendor you choose.
  2. Apply with the detailsThe equipment usually secures the financing, which helps keep the rate in check.
  3. Put it to workThe vendor is paid, and you repay monthly over 1–5 years.

Start my application

A pre-approval being shaped into terms that fit.

Qualifying

What lenders look at

No single number decides it. Lenders weigh the whole picture of the business.

  • The equipment itselfIts type, age and value, since it usually secures the financing.
  • Monthly revenueShows the business can carry the monthly payment.
  • Time in businessA longer history can bring better terms.
  • CreditConsidered, with the equipment reducing the lender's risk.

Good to know

The upside

  • The equipment secures it, often meaning a lower rate
  • Fixed monthly payments over its working life
  • Keeps cash free for everything else

Worth weighing

  • The money is for the equipment itself
  • This program goes up to $250k, so larger purchases may suit a term loan

Every offer shows its full cost and terms before you decide, and a specialist goes through them with you.

Why apply with us

One application, 50+ lenders competing for it.

  • A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
  • 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
  • Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
  • American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
A U.S.-based specialist, reading a file rather than scoring it.

Questions

Equipment Financing, answered

Still deciding? Call (844) 312-1444 and a specialist will talk it through.

Can I finance used equipment?

Often, yes. It depends on the equipment's age and value, so include the details on your application.

Do I need a down payment?

Some offers require one and some don't. Each offer states it before you choose.

Who owns the equipment?

With equipment financing the business typically owns it, with the lender holding a lien until it is repaid. Lease-style offers work differently, and your specialist will explain any that come back.

Will applying hurt my credit score?

No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.

Get a free quote

Get a free quote.

One application, real offers, and no obligation to take any of them. Starting does not affect your credit.

Rather talk to somebody first? (844) 312-1444.

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