Purchase the equipment your business needs – machines, tools, or vehicles - and pay over an extended schedule with fast approvals, flexible terms, and quick funding.
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Equipment financing allows your business to purchase or lease the gear you need—without tying up cash flow. Instead of paying upfront, you spread costs into predictable payments, preserving working capital for day-to-day operations and growth.
Assets it can be used for:
Manufacturing and industrial machinery
Construction machinery
Office technology and hardware
Commercial vehicles and fleets
Medical and healthcare equipment
Because the equipment serves as collateral, approvals are typically faster, more flexible, and accessible, even for high-value assets.
Pick the machinery, tools, or technology your business needs to grow and operate more efficiently.
Submit a quick digital application along with basic financial documents. We'll match you with the best funding options.
Look through the available plans and get support from our financial specialists to choose the right fit.
After approval, we pay your supplier on your behalf so you can start using the equipment immediately.
Settle the cost through fixed monthly payments so you can stay focused on running your business.
| Feature | Equipment Lease | Equipment Loan |
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Why Choose
Equipment
Financing?
Get Funded now
Preserve Cash Flow
Avoid heavy upfront costs, keep capital free for daily operations.
Maximize Tax Savings
Leverage Section 179 and depreciation benefits to lower taxable income.
Boost Productivity
Deploy new equipment quickly to increase efficiency, output, and business revenue.
Upgrade Easily
Replace old equipment flexibly without dealing with resale or disposal issues.
What is equipment financing?
It's a type of business funding that helps you purchase or lease equipment by spreading the cost over time. The equipment itself usually serves as collateral.
Is qualifying for equipment financing difficult?
Not really. Since the equipment secures the loan, approvals are often faster. With 600+ credit, $500K+ annual revenue, and 2-7 years in business, you'll likely qualify.
How long can I finance pre-owned equipment?
Usually 1-5 years, depending on the equipment's age, value, and lender rules. Lower-cost items may come with shorter terms.
Should I lease or take a loan for equipment?
It depends on your goals: Ownership vs. flexibility, cost of interest (2%–20%), and fees. Also consider term length—shorter terms mean higher payments but less total interest.
What's the standard repayment term for equipment loans?
Most run 2-7 years. Some lenders extend terms for higher-value equipment, often with discounts for early payoff.
