Equipment Financing — $10K to $5M, Fast Approval
Finance business equipment from $10K to $5M. Trucks, machinery, tools, technology. 24–72 hour approval. Low rates. Equipment is the collateral.
Easy Funding
One application, 75+ funding sources. Get matched in minutes, not weeks.
Fast Approval
Most businesses get approved and funded within 24-48 hours.
Best Fit
We match your business to the right product — SBA, line of credit, or working capital.
No Obligation
Soft credit pull only. See your options without any impact to your score.
Finance the trucks, tools, and machines your business needs — without tying up cash or pledging personal collateral.
How Equipment Financing Works
Equipment financing is the simplest, fastest, and cheapest way to buy business equipment you can’t pay for with cash. The equipment you’re buying serves as the collateral for the loan.
Because the loan is secured by the equipment itself, equipment financing offers: - Lower rates than unsecured loans - Longer terms (2–7 years typical) - Easier approval for businesses with weaker credit - 100% financing on qualifying equipment - Fast decisions (often 24–72 hours)
What You Can Finance
| Category | Examples | Typical Amount |
|---|---|---|
| Vehicles | Trucks, vans, trailers, service vehicles | $15K–$500K |
| Heavy equipment | Excavators, backhoes, skid steers | $30K–$500K |
| Manufacturing | CNC machines, mills, lathes, presses | $25K–$2M |
| Medical/dental | Imaging equipment, chairs, lasers | $10K–$1M |
| Restaurant | Ovens, walk-ins, POS systems | $5K–$200K |
| Technology | Servers, computers, networking | $5K–$500K |
Rates, Terms, and Requirements
| Feature | Typical Range |
|---|---|
| Amount | $10,000 – $5,000,000 |
| Rate (APR) | 6% – 18% |
| Term | 2 – 7 years |
| Down payment | 0% – 20% |
| Credit minimum | 580+ |
| Time in business | 6 months+ |
FAQ
Do I need a down payment?
Not always. 0% down is available for strong applicants.
Can I finance used equipment?
Yes. Used equipment is financeable as long as it has remaining useful life.
What if my credit is bad?
Equipment financing has the most flexible credit requirements of any business loan product.
Are there tax benefits?
Yes. Section 179 deductions and bonus depreciation may apply. Consult your CPA.