Business equipment financing is funding you obtain to purchase or lease equipment, tools, technology or machinery you need to operate your business. With equipment financing, the item you’re interested in acquiring serves as collateral for your loan. This means if you’re unable to make your payments, your lender can seize the equipment to recoup their losses.
Find competitive equipment financing rates and options
Self-collateralizing
No down payment or collateral? No problem. Your equipment secures your loan.
Fast funding
Apply for business equipment financing in minutes and get funded within 2 days.
Up to 100% financing
Cover the entire cost of your machinery or equipment purchase.
Get the equipment you need to thrive
Equipment financing is a must when you need new vehicles, technology or machinery to run your business.
Business equipment financing allows you to secure these tools without depleting your cash reserves.
Here’s how equipment loans work. Get up to 100% of the value of the equipment you want. The machinery serves as collateral to secure your loan.
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Financing amount Up to 100% of equipment value
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Repayment terms 1-5 years
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Interest rate Starting at 8%
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Funding available in 2 days
Equipment financing made easy
Choose your financing
Select the offer that works for you. Our expert advisors will help you every step of the way. Learn MoreEquipment financing requirements
Equipment financing is self-collateralizing, which means you’re not on the hook for a down payment and you don’t have to pledge assets to secure it. Equipment financing can be used to purchase or lease equipment—new or used.
What you’ll need to qualify:
- 2+ years in business
- $160K+ annual revenue
- 620+ credit score
Best equipment financing uses
Use business equipment financing for machinery or technology specific to your industry, regardless of the sector you’re in—restaurant, construction, dry cleaning, automotive or medical.
Buy new commercial equipment
Don’t let rust, mileage or wear and tear stall your operations. One day of missed work due to equipment breakdown, can mean the difference between a client rehiring you for another job or not. When it’s time to upgrade your machinery, time is of the essence. Find the funds to buy the industry tools you need, from dental equipment financing to farm equipment financing and more.
Lease machinery
If financing an equipment purchase seems too much of a commitment in terms of time and cost, a lease might be an ideal alternative. If you have a short-term project that requires specialized machinery, use equipment financing to get the lease you need to operate.
Upgrade office equipment
Have your company computers, printers and other office systems seen better days? Get the latest technology that will keep you ahead of the game. Equipment financing is an ideal solution when you’re looking to fund the machines and tools your business needs to thrive.
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