Equipment Financing
Structured financing for equipment acquisition, machinery, technology, and capital assets — preserving cash flow while building operational capacity and competitive advantage.
Overview
Equipment financing provides capital specifically for the acquisition of business equipment, machinery, technology, vehicles, and other capital assets. Unlike general business loans, equipment financing uses the equipment itself as collateral — enabling higher advance rates, better terms, and faster approval than unsecured financing. Equipment financing preserves working capital and cash flow by spreading the cost of major capital assets over their useful life. Whether you're acquiring manufacturing equipment, commercial vehicles, medical devices, technology infrastructure, or specialized machinery, we structure equipment financing that aligns the repayment term to the asset's productive life and your business's cash flow. Both loan and lease structures are available depending on your tax strategy and balance sheet objectives.
Ideal For
- Manufacturers acquiring production machinery and equipment
- Construction companies purchasing heavy equipment and vehicles
- Healthcare providers acquiring medical devices and diagnostic equipment
- Technology companies investing in servers, infrastructure, and systems
- Transportation and logistics companies expanding their fleet
- Restaurants and food service businesses equipping new locations
- Any business acquiring capital assets with a defined useful life
Eligibility & Requirements
Key qualification criteria for this financing program.
Financing Structures & Terms
Flexible structures engineered around your business performance and capital needs.
Equipment Loan
Fixed-rate loan with the equipment as collateral. You own the equipment from day one. Payments are fixed over the term, and the loan is fully paid off at the end.
Finance Lease (Capital Lease)
Lease structure where you effectively own the equipment for accounting purposes. Typically includes a $1 buyout or fixed purchase option at lease end.
Operating Lease
True lease where you use the equipment without ownership. Lower monthly payments, off-balance-sheet treatment, and easy equipment upgrades at lease end.
Sale-Leaseback
Sell existing owned equipment to a lender and lease it back. Unlocks capital from owned assets while retaining full use of the equipment.
Vendor Financing
Financing arranged directly through equipment vendors or manufacturers. Often includes promotional rates and terms negotiated with the vendor.
Portfolio Financing
Single facility covering multiple equipment purchases across different vendors and asset types. Simplifies financing for businesses with ongoing equipment needs.
Execution Process
A clear, structured path from inquiry to funding.
Submit Application
Provide equipment details (type, cost, vendor), business financials, and intended use. Equipment quote or invoice required for approval.
Equipment & Credit Review
We evaluate the equipment's value, useful life, and marketability alongside your business credit and financial profile. Approval typically within 48 hours.
Structure & Documentation
Receive a term sheet with loan or lease structure, rate, term, and conditions. Execute documentation and insurance verification.
Funding & Delivery
Funds paid directly to the equipment vendor upon closing. Equipment delivered to your facility. Payments begin per the agreed schedule.
Key Benefits
- Preserve working capital — spread equipment cost over useful life
- Equipment serves as collateral — better rates than unsecured financing
- Up to 100% financing available — no large down payment required
- Tax advantages: Section 179 deduction and bonus depreciation
- Lease structures offer off-balance-sheet treatment
- Faster approval than conventional business loans
- Flexible end-of-term options: purchase, return, or upgrade
Compliance & Documentation
- Equipment invoice or vendor quote required
- Equipment appraisal may be required for used equipment over $250K
- Business financial statements (1-2 years)
- Business bank statements (3-6 months)
- Certificate of insurance naming lender as additional insured
- KYC/AML verification for all principals
- UCC filing on financed equipment
Ready to Apply?
Submit your application and our team will respond within 24–48 hours with next steps.
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Schedule a confidential capital call to review your business, funding needs, and timeline.
Schedule a Capital CallRegulatory Disclaimer: Business financing information provided herein is for informational purposes only and does not constitute a commitment to lend or a guarantee of financing. All financing applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, and applicable state commercial lending laws. Loan terms, rates, and availability are subject to change without notice. Full legal disclosures →