Equipment Financing
Buy the trucks, machines, computers, or hardware your business runs on without draining working capital. The equipment itself secures the loan, so rates are lower and approval is faster.
Up to 100% LTV · 24-hour approval
Amount
Rate
Term
Speed
Collateral
What it is. How it works. Who it's for.
Equipment is one of the easiest things to finance because it's its own collateral. Whether you need a $20K commercial oven or a $400K excavator, you can usually finance 100% of the cost, deduct the depreciation, and preserve cash for everything else.
Best fit for
- Trucking, construction, restaurants, manufacturing
- Medical and dental practice equipment
- Computer hardware and tech infrastructure
- Office furniture, build-out, and fixtures
Four steps from inquiry to wire.
- 01
Quote
Send us the equipment vendor quote.
- 02
Apply
Single-page application — soft pull only at this stage.
- 03
Approve
Term sheet in 24 hours for most files.
- 04
Fund
Lender pays the vendor directly. You take delivery.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- 6+ months in business
- FICO 600+
- Equipment quote or invoice from vendor
- 3 months bank statements
The ones we get most.
Often paired with Equipment Financing
Asset-Based Lending
- Inventory-heavy businesses (distributors, manufacturers, retailers)
- Companies in turnaround or rapid growth
Business Line of Credit
- Smoothing out seasonal or project-based cash flow
- Buying inventory ahead of a busy quarter
Small Business Loans
- One-time investments with a clear ROI
- Refinancing higher-cost debt (MCAs, high-rate cards)
Apply for Equipment Financing
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment