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Equipment Financing

The equipment secures itself, so your working capital stays where it is.

U.S.-based advisorsOne person, start to finish

Funding in 24 hoursOn most approved applications

Transparent termsTotal cost shown before you sign

12+ years in businessFunding U.S. small businesses since 2014

At a glance

Let the asset pay for itself

Financing tied to the asset you are buying. Because the equipment itself serves as collateral, terms stretch further and your cash reserves stay untouched.

Best suited to: Vehicles, kitchen and medical equipment, machinery, tech refreshes, and fleet additions.

Amount$10,000 – $1,000,000
Repayment12 – 72 months
Approval speedAs soon as 24 hours
Payment scheduleMonthly
CollateralThe financed equipment itself
CoverageNew and used; purchase or refinance

Apply for Equipment Financing Talk to an advisor

Excavator and heavy machinery working on a construction site

What you get

How this option works in practice

The asset is the collateral, so your cash reserves stay available.
Terms stretch to 72 months, keeping the monthly payment low.
New and used equipment both qualify, from any vendor you choose.
Soft costs such as delivery, installation and training can be included.
Existing equipment you already own can often be refinanced for working capital.

How it works

Three steps, one advisor, no runaround

See the full process

Tell us about your business

A short application — business details, what the funds are for, and a connection to your business bank account so we can see real revenue. Most owners finish in under ten minutes.

Talk to a real advisor

A U.S.-based advisor reviews your file and calls you. They walk you through which of the five options fit, what each one actually costs, and which they’d pick in your position.

Sign and get funded

Choose your option and sign electronically. On most approved applications funds are on the way the same business day.

What we look at

Four things, and none of them are a mystery

We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.

12 years in business

Your business has been operating and generating revenue for at least twelve years.

$100,000 annual revenue

Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.

Business checking account

An active business bank account in the legal name of the company.

U.S.-based operation

Your business is registered and operating in the United States.

Questions

About equipment financing

Yes. Used equipment qualifies, and you are free to buy from any vendor, dealer or private seller you choose.

In most cases yes — freight, installation, and training can typically be rolled into the financed amount so the project is covered end to end.

For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.

Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.

Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.

Other options