Equipment as Collateral

Equipment Financing

Finance up to 100% of equipment costs with terms up to 7 years. The equipment itself serves as collateral.

Up to 100% Financing
Up to 7 Years Terms
$10K–$5M Range
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What is Equipment Financing?

Equipment financing is a specialized lending solution designed to help businesses acquire the assets they need to grow and operate efficiently. Instead of paying for equipment outright, you can spread the cost over time with manageable monthly payments. The key advantage is that the equipment itself serves as collateral, making approval easier and faster than traditional loans.

Whether you need new or used equipment, our flexible financing options support businesses across industries. From manufacturing machinery to medical devices, construction equipment to technology infrastructure, we can help you acquire the tools your business requires. Many equipment purchases also qualify for Section 179 tax deductions, allowing you to deduct the full purchase price in the year the equipment is placed in service.

With fixed payment terms up to 7 years and financing covering up to 100% of equipment costs, you can preserve your working capital while making the equipment investments critical to your business success. Our streamlined approval process means you can get funded quickly, allowing you to put your equipment to work faster.

Equipment financing offers predictability and stability—your monthly payments remain the same throughout the loan term, making budgeting straightforward. Whether you're expanding operations, replacing aging equipment, or investing in new technology, equipment financing provides the capital you need with terms designed around the useful life of your assets.

How Equipment Financing Works

1

Get a Quote

Provide details about the equipment you need—type, new or used, and approximate cost.

2

Submit Application

Complete a quick application with basic business and financial information. No lengthy paperwork.

3

Get Approved

Receive approval typically within 24–48 hours with fixed terms and transparent pricing.

4

Equipment Delivered

Close your loan and take possession of your equipment. Start making fixed monthly payments immediately.

Why Choose Equipment Financing?

Equipment as Collateral

The equipment serves as collateral, making approval simpler and faster than traditional loans without requiring personal guarantees.

Preserve Cash Flow

Finance up to 100% of equipment costs, preserving your working capital for operations, inventory, payroll, and growth initiatives.

Tax Advantages

Many equipment purchases qualify for Section 179 tax deductions, allowing you to deduct the full purchase price in the year placed in service.

Fixed Payments

Predictable monthly payments remain constant throughout your loan term, making budgeting easy and allowing precise financial planning.

New & Used Equipment

Finance both new and quality used equipment. Expand your options and maximize value without being limited to brand-new assets only.

Fast Approval

Get approved in as fast as 24–48 hours with minimal documentation. Move quickly to acquire the equipment your business needs.

Do You Qualify?

Credit Score 550+

Minimum credit score of 550. We evaluate applications individually based on overall business profile.

$10K+ Monthly Revenue

Stable monthly business revenue of at least $10,000 demonstrates ability to make equipment payments.

1+ Year in Business

Your business must be operating for at least one year with established financial history.

Equipment Quote

Provide details or quotes for the equipment you want to finance to enable accurate loan structuring.

Frequently Asked Questions

What is equipment financing?

Equipment financing is a type of loan where the equipment itself serves as collateral. You can finance up to 100% of the equipment cost with terms up to 7 years, allowing businesses to acquire the assets they need without significant upfront capital. This makes it an efficient way to manage cash flow while investing in growth.

What types of equipment can I finance?

We finance a wide range of new and used equipment including machinery, vehicles, construction equipment, medical devices, technology infrastructure, manufacturing equipment, HVAC systems, and more. The equipment must have a useful life that aligns with the loan term. Contact our team with specific equipment types for approval details.

Can I finance 100% of the equipment cost?

Yes, equipment financing can cover up to 100% of the equipment cost. This means you can acquire the assets you need without requiring a large down payment, which helps preserve your working capital for operations, inventory, payroll, and other business needs.

Are there tax advantages to equipment financing?

Yes. Depending on the equipment and your business structure, you may be eligible for Section 179 tax deductions, which allow you to deduct the full purchase price of qualifying equipment in the year it's placed in service. This can significantly reduce your taxable income. Consult your tax advisor for your specific situation.

What are typical equipment financing terms?

Equipment financing terms typically range from 24 to 84 months (2 to 7 years). The loan term is often tied to the useful life of the equipment, ensuring you're paying off the loan while the equipment is still productive. Fixed monthly payments mean your costs are predictable and easy to budget.

How quickly can I get approved for equipment financing?

Most equipment financing applications are approved within 24–48 hours. We've streamlined our process to minimize documentation and move quickly so you can acquire your equipment and put it to work for your business as soon as possible.

Explore Other Funding Options

Ready to Acquire Your Equipment?

Get approved in as fast as 24–48 hours with transparent pricing and flexible terms designed around your business needs.