Trucks, machines, kitchen equipment, medical devices, technology — financed against the asset itself, so qualifying is easier and rates are competitive. Often the fastest path to capital for newer businesses.
Equipment financing pairs term length to the useful life of the asset itself — so the equipment pays for itself as it depreciates.
Trucks, vans, trailers — financed against the vehicle itself with terms that match its useful life.
Manufacturing equipment with long depreciation schedules pairs perfectly with 5–7 year financing.
Restaurant equipment, medical devices, salon chairs, gym machines — full buildout in one funding event.
Section 179 tax incentives make end-of-year equipment upgrades especially attractive when financed.
Because the equipment secures the loan, underwriting is faster and document-light. Most files fund within days of approval.
Vendor invoice or quote with the equipment description and cost is typically all we need to start.
Because the asset secures the loan, qualifying is easier than unsecured term loans — even for newer businesses.
Once you sign, we wire payment directly to the vendor. You take delivery and start using the equipment immediately.
Equipment financing is one of the most accessible products in the market. The bar is genuinely low — but here's the floor.
Equipment financing is one of the most accessible products. We can fund earlier-stage businesses when owner credit is strong.
Personal credit floor is around 600. Higher scores get better rates and fewer documentation requirements.
The collateral is the equipment itself — we need vendor pricing and equipment specs to underwrite.
3 months of statements is typical. Some lower-document programs require even less.
The questions our equipment finance clients ask most. If we missed yours, call us — we don't gatekeep information.
Yes. We finance used equipment up to 10 years old, though rates may be slightly higher than new. Older or specialized used equipment may need an inspection.
You do. We hold a lien on the asset until the loan is paid off, but the equipment is titled to your business from day one.
If you already own equipment outright, you can sell it to a finance company and lease it back — pulling cash out while keeping the asset in service.
Yes. Most financed equipment qualifies for Section 179 expensing in the year placed in service, often allowing the full purchase price to be deducted. Talk to your CPA.
Equipment financing isn't always the right fit. Here's the rest of our menu — pick what matches the shape of your need.
Fixed amount, fixed schedule. The cleanest way to fund a defined project — equipment, expansion, or acquisition.
Draw what you need, when you need it. Pay interest only on what you use. Built for cash flow gaps and opportunity capital.
Government-backed financing with the longest terms and lowest rates available. We move fast on a process that's known for being slow.
Turn unpaid invoices into working capital. Get up to 90% upfront on receivables, without taking on new debt.
No fees. No hard pull. No commitment. Direct underwriting, real terms, fast.
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