Equipment financing
Equipment Financing That Won't Stall Your Momentum
New forklift? A second MRI machine? Kitchen line upgrade for the busy season? Equipment financing lets you get the gear your business needs now — without draining your working capital. Approvals focus on the equipment's value as much as your credit, which makes it one of the most accessible funding options for small businesses across construction, medical, manufacturing, and food service.
Keep the equipment doing the work — and your working capital ready for what comes next.
Make the purchase work harder
The gear you need, without the cash-flow squeeze.
- 01Fund up to 100% of equipment costs plus soft costs like installation and shipping.
- 02Equipment is the collateral, so qualification is easier than with unsecured loans.
- 03Same-day funding is available with fintech underwriting when timing matters.
- 04Fixed payments keep cash flow predictable from one month to the next.
- 05No minimum FICO to apply — options are available for all credit profiles.
Choose the right route
Put the asset to work. Keep the plan moving.
Equipment financing is built for a specific job: buying or refinancing a tangible asset that helps your business operate, produce, serve, or grow. The equipment secures the financing, while fixed payments make the cost easier to plan around.
Need broader working capital loans for payroll, inventory, or a growth push? Compare SBA loans for longer-term projects, or explore a business line of credit when expenses arrive in stages.
When timing is the main constraint, same day business funding may help you replace essential gear or take on a new opportunity. And if your credit history is less than perfect, business loans for bad credit are still worth exploring.
Questions, answered
Clear terms before you commit.
What is equipment financing?
A loan or lease designed to buy or refinance business equipment — from excavators and delivery vans to x-ray machines and commercial ovens. The equipment itself secures the loan, which is why terms and approval can be more flexible than a general small business loan.
Can I get equipment financing with bad credit?
Yes. Because the equipment acts as collateral, lenders weigh business revenue and time in business heavily. We work with diverse credit profiles — qualify with as little as 4+ months in business and no minimum FICO.
How fast can I get approved?
Fintech-driven underwriting can get you through in hours — many owners receive same-day funding and put equipment to work the next morning.
Equipment financing vs. an equipment lease?
Financing means you own the equipment after the final payment; a lease means renting with an option to buy. Financing usually wins if you plan to keep the asset for years.
What equipment can I finance?
Nearly any tangible business asset: vehicles, machinery, restaurant equipment, medical devices, IT hardware, new or used.
How much can I finance?
Amounts range based on equipment value and business profile — many owners finance from $10,000 up into the millions depending on the asset.
Ready to put it to work?