Equipment Financing

Finance the equipment your business needs with no money down

What is Equipment Financing?

Equipment Financing allows you to purchase or lease business equipment without paying the full cost upfront. This financing solution spreads the cost over time, preserving your working capital while giving you immediate access to the tools, machinery, vehicles, or technology your business needs to operate and grow.

The equipment itself serves as collateral, making approval easier and often resulting in better rates. For qualifying businesses, we offer 100% financing with no down payment required.

πŸ’‘ Perfect For:

Businesses needing machinery, vehicles, computers, medical equipment, restaurant equipment, construction tools, or any business-critical equipment.

Advantages & Considerations

βœ“ Advantages

  • No money down for qualifying businesses
  • Equipment serves as collateral
  • Preserve working capital for operations
  • Fast approval process
  • Flexible payment terms (12-84 months)
  • Potential tax benefits and deductions
  • Keep equipment at end of term
  • Build business credit

⚠ Considerations

  • Equipment must have resale value
  • May require personal guarantee
  • Rates vary based on equipment type
  • Obligation continues even if equipment breaks
  • Early termination fees may apply
  • Equipment may become obsolete before paid off

Qualification Requirements

  • Time in Business: Minimum 6 months of operation
  • Credit Score: 600+ FICO score preferred
  • Equipment Details: Quote or invoice for equipment
  • Bank Statements: Last 3-6 months of statements
  • Business Documentation: Tax ID and basic business info
  • Revenue Requirements: Varies by equipment cost

Types of Equipment We Finance

πŸ—οΈ Construction

Heavy machinery, excavators, trucks, tools

🍽️ Restaurant

Commercial kitchens, ovens, refrigeration

πŸ₯ Medical

Imaging equipment, dental chairs, diagnostics

πŸ’» Technology

Computers, servers, software, telecom

🚚 Transportation

Vehicles, trucks, trailers, fleet equipment

🏭 Manufacturing

Production equipment, machinery, tools

How Does It Work?

1. Choose Equipment: Identify the equipment your business needs and get a quote.

2. Apply: Submit a simple application with basic business information.

3. Get Approved: Receive approval within hours, often in as little as 4 hours.

4. Finalize Terms: Review and accept your financing terms and payment schedule.

5. Receive Equipment: We pay the vendor directly, and you receive your equipment.

Key Benefits for Your Business

  • βœ“ Up to 100% financing available
  • βœ“ Finance from $5,000 to $5 million+
  • βœ“ Terms from 12 to 84 months
  • βœ“ Approval in as little as 4 hours
  • βœ“ New and used equipment eligible
  • βœ“ Soft credit pull for pre-approval

Ready to Apply?

Finance the equipment your business needs today

Apply Now