Equipment Financing

Acquire the tools, machinery, or vehicles you need without delaying growth or draining cash flow.

Apply Now

Key Highlights

More strategic asset purchases

Funding Amount

$250K to $15M

Flexible Terms

Lease or loan options

Time to Fund

2 to 8 weeks

What is it?

The gear you need, for rent or keeps

Equipment financing lets you purchase or lease business equipment without paying upfront. Instead, you break the cost into manageable payments, preserving working capital for operations and growth.

Commonly financed equipment:

Construction machinery
Medical equipment
Commercial vehicles
Manufacturing and industrial equipment
Office tech and hardware

Because the equipment serves as a type of collateral, approvals can be faster and easier, even for high-value purchases like heavy equipment and special tools.

Apply Now

how does it work?

Equipment that pays  for itself. Almost.

Choose your equipment – Identify the machinery, tools, or tech you need to grow or operate more efficiently.
Apply online -Submit a quick digital application, and we provide your funding options.
Review & approve terms – Compare competitive offers with expert support from our trusted business advisors.
Get funded – The vendor is paid directly, so you can start using the equipment right away.
Make structured payments – Repay over time with terms aligned to your cash flow.

Let us handle the financing so you can focus on what your business does best.

Plan ahead: Check out our 5 straightforward tips for getting the best heavy equipment financing rates.

What’s the difference?

Types of equipment financing: lease vs. loan

Unsure which is right for you? Our advisors can help you decide based on your growth goals, tax strategy, and equipment lifecycle.

feature	Equipment Lease	Equipment Loan
Ownership	No (you’re renting)	Yes (you’re buying)	Ownership feature: Ownership Equipment Lease: No (you’re renting) Equipment Loan: Yes (you’re buying)
Best for	Frequent upgrades	Long-term use & equity	Best for feature: Best for Equipment Lease: Frequent upgrades Equipment Loan: Long-term use & equity
Payment Structure	Fixed monthly rent	Loan with repayment & interest	Payment Structure feature: Payment Structure Equipment Lease: Fixed monthly rent Equipment Loan: Loan with repayment & interest
Upgrades	Easier	May require resale or trade-in	Upgrades feature: Upgrades Equipment Lease: Easier Equipment Loan: May require resale or trade-in
Tax Benefits	May deduct full lease cost	May use Section 179 & depreciation	Tax Benefits feature: Tax Benefits Equipment Lease: May deduct full lease cost Equipment Loan: May use Section 179 & depreciation

let’s talking timing

How long can I finance equipment?

Loan and lease terms typically range from 1 to 10 years, depending on the equipment type, condition, and your business profile. Terms are often tied to the useful life of the asset.

Key points to consider:

Longer terms – lower payments, more total interest
Shorter terms – higher payments, less interest overall
Some industries, like Medical and Construction, may qualify for extended terms

Apply Now

why get it?

Gear up & get to work

Get equipment and grow your business, while we handle the financing.

Apply Now

Preserve cash flow

Avoid large upfront payments, freeing up capital for operations and payroll.

Maximize tax advantages

Take advantage of Section 179 and tax benefits of purchasing equipment.

Accelerate productivity

Start using new equipment right away to boost output and revenue.

Upgrade more easily

Leasing lets you swap outdated equipment without asset disposal headaches.

The entire experience was smooth and stress-free. Highly recommended!

Christopher Douse

Owner, Brizzy Contracting

Funds as you need them, when you need them

your eligibility

3 checks and you’re in

In order to be eligible, you must have:

1+ year in business
$500,000+ in annual revenue
600+ FICO Score

Check Eligibility

Not a match? Check out your other options

What do I need to PROVIDE?

Required documents

Have this information on hand and you’re all set.

Equipment invoice
Bank statements
Business financial statements
Business formation docs

Apply Now

FAQs

Not at all. Equipment often secures the loan, making approval easier. With 600+ credit, $500K+ revenue, and 1+ year in business, you’re likely eligible.

Typically, 1 to 5 years, depending on the equipment type, condition, and lender policies. Some lenders may offer shorter terms for lower-cost used equipment.

You should evaluate these key factors: Loan vs. Lease: Do you want ownership or flexibility? Interest Rates: Expect rates from 2% to 20%, plus possible application or origination fees. Loan Term: Shorter terms mean higher payments but lower interest costs.

Most equipment loans range from 1 to 10 years, but some lenders offer extended terms with prepayment discounts.