Equipment Financing
Buy the machinery, vehicles, or technology your business needs now and pay for it over time—the equipment itself is the collateral, which often means better rates and easier approval.
What it is
Equipment financing lets you acquire essential assets—trucks, ovens, CNC machines, medical or dental gear, IT hardware—without paying the full price up front. You repay in fixed installments over one to six years while you put the equipment to work earning revenue.
Because the equipment secures the financing, lenders take on less risk. That typically translates into competitive rates, higher approval odds, and the ability to finance up to 100% of the cost—keeping your working capital free for day-to-day operations.
Best for
- Buying trucks, vans, or fleet vehicles.
- Purchasing ovens, HVAC units, CNC machines, or production equipment.
- Financing medical, dental, or imaging equipment for a practice.
- Upgrading technology and hardware without draining cash reserves.
How it works
1. Pick your equipment
Get a quote or invoice from your vendor for the asset you want to finance.
2. Apply with the details
Submit the equipment quote with your application—the asset itself supports the approval.
3. Get approved
We review and return an offer, often within 1–3 business days, financing up to 100% of cost.
4. Buy & start using
We pay the vendor, you take delivery, and you repay in fixed installments as the equipment earns.
Rates & terms
- The equipment is the collateral, which often means better rates.
- Up to 100% financing—little or no money down on many deals.
- Potential tax advantages—ask your accountant about Section 179.
Eligibility & requirements
Most businesses that meet our three core thresholds can qualify:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A US-based business bank account
Why businesses choose it
Finance up to 100%
Acquire the asset with little or nothing out of pocket.
Easier approval
The equipment secures the deal, lowering the bar to qualify.
Keep cash free
Preserve working capital for payroll and operations.
Possible tax perks
Equipment purchases may qualify for valuable deductions.
Frequently asked questions
Almost any business-essential asset—vehicles, manufacturing machinery, kitchen and HVAC equipment, medical and dental gear, computers, and more.
Often no. Because the equipment secures the financing, many deals can be structured with little or no money down, financing up to 100% of the cost.
Yes. Both new and quality used equipment can be financed, though terms may vary based on the asset's age and expected useful life.
Equipment purchases frequently qualify for deductions such as Section 179. We're a fictional demo and not tax advisors—check with your accountant for specifics.
Related funding
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Get the equipment, keep the cash.
Finance the machinery, vehicles, or tech your business needs now and preserve your working capital—apply in minutes with no hard credit check.