Replacing aging assets
Swap out equipment that is breaking down before it costs you a job.
Equipment Financing
Fund the trucks, machines, and tools your business runs on — and keep your cash.
Amount$10,000 – $2,000,000
Typical term2 – 6 years
Funding speedApproval in 24–48 hrs
What it is
How equipment financing works for you
Equipment financing funds the physical assets your business depends on — vehicles, machinery, kitchen and medical equipment, servers, and more. The equipment itself serves as collateral, which keeps rates low and approval fast, and lets you preserve working capital for everything else.
You can finance up to 100% of the cost of new or used equipment, often with potential tax advantages under Section 179. Instead of a large cash outlay, you spread the cost over the useful life of the asset while it earns revenue from day one.
Best for
When it's the right fit
Adding capacity
Buy the second truck, oven, or machine that lets you take on more work.
Preserving cash
Keep your working capital free instead of sinking it into a single purchase.
Tax-smart buying
Potentially deduct the cost in the year of purchase under Section 179.
How it works
From application to funded
1
Pick your equipment
Choose the new or used asset and get a quote from your vendor.
2
Apply with the quote
Submit the quote plus a short application and bank statements.
3
Approval in 24–48 hrs
We use the equipment as collateral, which speeds underwriting.
4
Vendor gets paid
We pay your vendor directly and you start using the equipment right away.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
Up to 100% financing
Cover the full cost — and sometimes soft costs like delivery and install.
Low rates
Because the asset secures the loan, rates stay competitive.
Potential tax breaks
Section 179 may let you deduct the purchase the year you buy.
New or used
Finance the right machine for the job, whether it is brand-new or pre-owned.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
Almost anything tangible your business uses — vehicles, heavy machinery, kitchen and medical equipment, IT hardware, and more.
Yes. Quality used equipment is eligible, which can stretch your budget further.
Often no. Many deals finance up to 100% of the cost, sometimes including delivery and installation.
Section 179 may allow you to deduct the full purchase price in the year you buy. Confirm specifics with your accountant.
Related funding
Other products to consider
Long-Term Loans
Larger capital over a longer horizon, with lower payments for the big moves.
Explore Long-Term LoansSBA Loans
The lowest rates and longest terms available — with a specialist doing the paperwork.
Explore SBA LoansBusiness Line of Credit
Reusable, draw-when-you-need-it capital you only pay for when you use it.
Explore Line of CreditReady to put this capital to work?
Start your application in minutes. Checking your options is free and never affects your credit score.