Equipment Financing
Get the machine, keep the cash. The equipment secures the deal.
Equipment financing and leasing let you acquire revenue-producing assets — vehicles, machinery, kitchen lines, medical devices, tech — with fixed monthly payments. Because the equipment itself is the collateral, approvals are easier and rates are lower than unsecured products, and you may be able to write off the full cost under Section 179 (ask your CPA).
From application to wire
- 1
Get a vendor quote
New or used, dealer or private party. Send the invoice or quote.
- 2
One-page application
Up to ~$250k is often credit-based with minimal financials.
- 3
Choose finance or lease
EFA, $1 buyout, or FMV lease — we match the structure to your tax and cash goals.
- 4
Vendor gets paid
The funder pays the vendor directly. You take delivery and start earning with it.
Best for
- Expanding capacity with a new revenue-producing asset
- Replacing aging equipment before it fails
- Preserving cash for payroll and operations
- Owners wanting fixed, predictable payments
What the numbers look like
CNC machine for a job shop
- Equipment cost
- $0
- Down payment
- $0 (10%)
- Term
- 0 months
- Est. payment
- ~$0/mo
Result: New capacity brought in a ~$40k/month contract, so the machine pays for itself several times over every month.
Excavator + trailer for a site-work crew
- Equipment cost
- $0
- Down payment
- $0
- Term
- 0 months
- Est. payment
- ~$0/mo
Result: Stopped renting at $7,800/month and owns the asset at the end of term.
Examples are illustrative composites to show how the product works. Actual amounts, pricing, and terms depend on underwriting.
Where Equipment works best
Construction
Yellow iron, trucks, and trailers finance cleanly against their resale value.
Healthcare & Dental
Imaging, chairs, and lasers with long terms and low rates.
Manufacturing
CNC, presses, and lines that create new capacity immediately.
Restaurants
Kitchen lines, walk-ins, and hoods without draining the operating account.
Trucking
Tractors and trailers — the asset carries the deal.
Run your Equipment numbers
- Down payment: 10.0% down
- Credit profile: Good (680-719)
- Financeable asset: $200,000 equipment value
Optimized illustrative amortization—not an approval or offer. Actual rates, fees, advance percentage, and terms vary.
Straight answers
Can I finance used equipment?
Yes, including private-party sales, subject to age and inspection.
Do I need a down payment?
Strong files often go 100% financed. Newer businesses may need 10–20% down.
Is it a lease or a loan?
Either. We'll show you EFA, $1-out, and FMV options side by side.
Money talks. Ours ROARS.
One application. Every program we have. Mix and blend products on the same file.
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