Equipment Financing to Grow Without Draining Cash
Finance equipment, vehicles, and machinery while preserving working capital — with fast approvals and flexible repayment terms.
What Is Equipment Financing?
Equipment financing helps businesses purchase or upgrade equipment without paying the full cost upfront. In many cases, the equipment itself serves as collateral — which can make it easier to qualify and help you protect your cash flow. Rates start as low as 7%, with 100% financing available on many equipment purchases.
- ✔ Use for equipment, vehicles, and machinery
- ✔ Equipment may serve as collateral
- ✔ Preserve working capital for operations
Who This Loan Is For
Construction & Heavy Equipment
Excavators, skid steers, and heavy machinery — high approval speed compared to bank loans.
Manufacturing
CNC machines and industrial equipment, with 100% financing available to preserve working capital.
Trucking & Fleet
Semi-trucks and trailers, with terms up to 5 years to match equipment lifespan.
How Equipment Financing Works
- 1
Submit one short application
- 2
Get matched with equipment financing options
- 3
Compare rates and terms
- 4
Get funded and acquire your equipment
See If You Qualify for Equipment Financing
Apply once and compare equipment funding options — no obligation and no impact to your credit to check options.
- ✔ Secure application
- ✔ Fast decisions
- ✔ Multiple lenders available
Equipment Financing Loans vs Traditional Banks
See how modern funding compares to old-school lending.
Equipment Financing
- ✓Finance equipment without paying upfront
- ✓Equipment may act as collateral
- ✓Flexible terms and approval options
- ✓Preserve working capital
Traditional Bank Loan
- ✕Slower approvals
- ✕More documentation required
- ✕Strict credit requirements
- ✕Less flexibility for newer businesses
Frequently Asked Questions
What rates does equipment financing start at?
Equipment financing rates start as low as 7%, with terms ranging from 1 to 5 years depending on the equipment type and business profile.
Can I get 100% financing for equipment?
Yes. Many equipment financing programs offer 100% financing, so you don't need a large down payment to acquire the machinery or equipment your business needs.
What types of equipment can be financed?
Equipment financing covers a wide range of purchases, including construction machinery, commercial vehicles, kitchen equipment, medical and diagnostic tools, manufacturing machinery, and more.
Is equipment financing available for vendor or private-party sales?
Yes. Equipment financing programs typically support both vendor purchases and private-party sales, giving you flexibility in where you buy.
How long does equipment financing approval take?
Approval timelines vary by lender and equipment type, but many equipment financing applications move quickly once basic business and equipment details are submitted.
How does the application process work?
You complete one short application and compare multiple funding options with no obligation.
Will applying affect my credit?
No. Checking your options does not impact your credit score.
How much can I qualify for?
Approval amounts vary based on revenue, cash flow, and business profile. Many businesses qualify for flexible funding ranges depending on eligibility.
What do I need to apply?
Most applications require basic business information, and many lenders may request bank statements or recent revenue details.
Upgrade Equipment Without the Upfront Cost
Check your equipment financing options and get the tools your business needs to grow.
Apply for Equipment FinancingLooking for a different option? Working Capital Loans or Revenue-Based Financing or No Doc Loans.