Long-Term Loans
Larger capital over multiple years with lower monthly payments.
Learn moreEquipment Financing.
Financing to buy the machinery, vehicles, or tools your business runs on — the equipment itself serves as collateral, so approvals are fast and down payments are low.
What It Is
Buy the Gear You Need.
Equipment financing lets you acquire the trucks, machines, and tools your business depends on without draining working capital. Because the equipment itself secures the loan, approvals are fast, down payments are low, and rates are competitive — you can often finance up to 100% of the cost.
Whether it's a new service truck, a CNC machine, a commercial kitchen line, or dental imaging, you spread the cost over the useful life of the asset — typically two to seven years — and keep your cash free for everything else.
Best For
- Trucks, trailers & vehicles
- CNC machines & manufacturing gear
- HVAC units & commercial kitchen lines
- Medical, dental & construction equipment
The Process
How Equipment Financing Works.
01
Pick Your Equipment
Get a quote from your vendor for the machinery, vehicle, or tools you need.
02
Apply
Submit the quote with your application — the equipment serves as collateral.
03
Fund the Purchase
We pay the vendor or reimburse you, and you repay over the asset's useful life.
Rates & Terms
Financing amount $10,000 – $5,000,000
Coverage Up to 100% of cost
Term length 2 – 7 years
Interest from 7.9% APR
Down payment 0 – 10%
Funding speed 1 – 3 business days
The Numbers.
Illustrative ranges. Actual amounts, rates, and fees are set by underwriting based on your business profile.
Eligibility
What You'll Need.
Because the equipment is collateral, this is one of our easier approvals — even for newer businesses.
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- Business bank account in good standing
Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.
Why Operators Choose It
The Benefits.
Up to 100% Financing
Cover the full cost of the asset with little or no money down.
Low Rates
The equipment secures the loan, which keeps your rate down.
Preserve Cash
Keep working capital free for payroll, marketing, and operations.
Fast Approvals
Collateral-backed deals move quickly — often funded in 1–3 days.
Potential Tax Benefits
Financed equipment may qualify for valuable deductions.
Own the Asset
At the end of the term, the equipment is yours free and clear.
Questions
Equipment Financing FAQ.
Almost anything essential to running your business: vehicles, trailers, manufacturing machinery, HVAC units, kitchen equipment, medical and dental gear, and heavy construction equipment.
Yes. We finance both new and used equipment from dealers and private sellers, with terms matched to the asset's expected useful life.
Many deals require little to nothing down — we can finance up to 100% of the cost depending on the equipment and your profile.
Yes. With financing (as opposed to a lease), you own the equipment outright once the loan is repaid.
Compare Options
Related Funding.
SBA Loans
Government-backed loans with the lowest rates and longest terms available.
Learn moreShort-Term Loans
A fixed lump sum in 24–48 hours when an opportunity or gap won't wait.
Learn moreCommon industries that use equipment financing: HVAC, Construction, Medical & Dental.
Put the Right Gear to Work.
Finance equipment and keep your cash where it belongs.