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Equipment Financing

Acquire the tools, machinery, or vehicles you need without delaying growth or draining cash flow.

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Key Highlights
More strategic asset purchases
Funding Amount
$100K to $10M
Flexible Terms
Lease or loan options
Time to Fund
2 to 8 weeks
What is it?
The gear you need,
for rent or keeps

Equipment financing lets you purchase or lease business equipment without paying upfront. Instead, you break the cost into manageable payments, preserving working capital for operations and growth.

Commonly financed equipment:

  • Construction machinery
  • Medical equipment
  • Commercial vehicles
  • Manufacturing and industrial equipment
  • Office tech and hardware

Because the equipment serves as a type of collateral, approvals can be faster and easier, even for high-value purchases like heavy equipment and special tools.

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how does it work?
Equipment that pays 
for itself. Almost.
  1. Choose your equipment – Identify the machinery, tools, or tech you need to grow or operate more efficiently.
  2. Apply online -Submit a quick digital application, and we provide your funding options.
  3. Review & approve terms – Compare competitive offers with expert support from our trusted business advisors.
  4. Get funded – The vendor is paid directly, so you can start using the equipment right away.
  5. Make structured payments – Repay over time with terms aligned to your cash flow.

Let us handle the financing so you can focus on what your business does best.

Plan ahead: Check out our 5 straightforward tips for getting the best heavy equipment financing rates.

What’s the difference?
Types of equipment financing: lease vs. Loan

Unsure which is right for you? Our advisors can help you decide based on your growth goals, tax strategy, and equipment lifecycle.

feature
feature Equipment Lease Equipment Loan
Ownership No (you’re renting) Yes (you’re buying)
Ownership
feature: Ownership
Equipment Lease: No (you’re renting)
Equipment Loan: Yes (you’re buying)
Best for Frequent upgrades Long-term use & equity
Best for
feature: Best for
Equipment Lease: Frequent upgrades
Equipment Loan: Long-term use & equity
Payment Structure Fixed monthly rent Loan with repayment & interest
Payment Structure
feature: Payment Structure
Equipment Lease: Fixed monthly rent
Equipment Loan: Loan with repayment & interest
Upgrades Easier May require resale or trade-in
Upgrades
feature: Upgrades
Equipment Lease: Easier
Equipment Loan: May require resale or trade-in
Tax Benefits May deduct full lease cost May use Section 179 & depreciation
Tax Benefits
feature: Tax Benefits
Equipment Lease: May deduct full lease cost
Equipment Loan: May use Section 179 & depreciation
let’s talking timing
How long can I finance equipment?

Loan and lease terms typically range from 1 to 10 years, depending on the equipment type, condition, and your business profile. Terms are often tied to the useful life of the asset.

Key points to consider:

  • Longer terms – lower payments, more total interest
  • Shorter terms – higher payments, less interest overall
  • Some industries, like Medical and Construction, may qualify for extended terms
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why get it?
Gear up & get to work

Get equipment and grow your business, while we
handle the financing.

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Preserve cash flow

Avoid large upfront payments, freeing up capital for operations and payroll.

Maximize tax advantages

Take advantage of Section 179 and tax benefits of purchasing equipment.

Accelerate productivity

Start using new equipment right away to boost output and revenue.

Upgrade more easily

Leasing lets you swap outdated equipment without asset disposal headaches.

Christopher Douse
Owner, Brizzy Contracting

Funds as you need them, when you need them

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your eligibility
3 checks and you’re in

In order to be eligible, you must have:

  • 1+ year in business
  • $500,000+ in annual revenue
  • 600+ FICO Score
Check Eligibility

Not a match? Check out your other options

What do I need to PROVIDE?
Required documents

Have this information on hand and you’re all set.

  • Equipment invoice
  • Bank statements
  • Business financial statements
  • Business formation docs
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FAQs

Not at all. Equipment often secures the loan, making approval easier. With 600+ credit, $500K+ revenue, and 1+ year in business, you’re likely eligible.

Typically, 1 to 5 years, depending on the equipment type, condition, and lender policies. Some lenders may offer shorter terms for lower-cost used equipment.

You should evaluate these key factors: Loan vs. Lease: Do you want ownership or flexibility? Interest Rates: Expect rates from 2% to 20%, plus possible application or origination fees. Loan Term: Shorter terms mean higher payments but lower interest costs.

Most equipment loans range from 1 to 10 years, but some lenders offer extended terms with prepayment discounts.

Let’s talk funding
Get the capital you need to grow your business

Ready to take the next step? Let’s get you funded.

Apply Now
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