Asset-Based Financing

Equipment Financing

Acquire the machinery, vehicles, or technology that drives revenue — with the equipment itself as collateral.

Amount Range$10K – $5M

Typical Term1 – 7 years

Funding SpeedApproval in 24 – 48h

What It Is

An overview of equipment financing

Equipment financing lets you acquire the assets your business runs on — machinery, vehicles, kitchens, diagnostic tools, technology — while spreading the cost over the equipment's useful life. The equipment itself serves as collateral, which keeps approval straightforward and rates favorable.

Because you can finance up to 100% of the purchase, you preserve working capital for everything else. Many clients also benefit from potential tax advantages on financed equipment.

Best For

When this is the right fit

Purchasing revenue-generating machinery or production equipment
Adding vehicles or fleet to expand service capacity
Upgrading technology, diagnostics, or specialized tools
Preserving cash reserves while still acquiring essential assets

How It Works

From application to funded

Choose your equipment

Identify the asset you want to acquire — new or used, from any qualified vendor.

Apply for financing

Submit a quick application; the equipment serves as collateral, easing approval.

Get approved in 24–48h

We return a tailored offer covering up to 100% of the equipment cost.

Acquire and operate

We pay the vendor, you put the asset to work, and you repay over its useful life.

Rates & Terms

The numbers, clearly stated

Because the financed asset secures the loan, equipment financing carries competitive rates and flexible terms matched to the equipment's lifespan.

Financing Amounts$10,000 – $5,000,000

Repayment Terms1 – 7 years

Rate StructureFrom 7% APR

Down PaymentOften $0 — up to 100% financed

CollateralThe financed equipment

EquipmentNew or used eligible

Eligibility

What you'll need to qualify

Our baseline criteria

Most clients qualify with these guidelines — though they're flexible, not hard cutoffs. Strong performance in one area can offset a shortfall in another.

At least 6 months in business under current ownership
$15,000+ in average monthly revenue
A personal credit score of 500 or above
A business bank account and the last 3–6 months of statements

Why Choose It

The advantages at a glance

Up to 100% financing

Acquire essential assets with little to no money down, preserving your cash.

Easier approval

The equipment secures the loan, which lowers risk and smooths qualification.

Potential tax benefits

Financed equipment may qualify for valuable deductions — consult your tax advisor.

Terms matched to life

Repayment is structured around the useful life of the asset you're financing.

Questions

Frequently asked

Frequently up to 100%, meaning little or no money down. Because the equipment itself serves as collateral, lenders can finance the full purchase price in many cases.

Yes. Both new and qualifying used equipment can be financed. The asset's condition and expected useful life help determine the term and rate.

The equipment you're financing secures the loan itself, so you typically don't need to pledge additional assets. This is what makes approval comparatively straightforward.

Often, yes. Financed business equipment may qualify for deductions such as Section 179 in the U.S. We recommend confirming specifics with your tax professional.

Related Funding

Let's match you with the right capital.

Tell us your goal and an advisor will confirm whether equipment financing is your ideal structure — usually within the hour.

Apply Now Speak With an Advisor