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Heavy construction equipment on a job site

Equipment Financing

The equipment is the collateral. That means lower rates, higher approvals, and faster funding for the machinery your business depends on.

$25K-$2M+Funding
4.5%Rates from
24-48 hrsApproval
$25K - $2M+
Financing Range
4.5%
Rates From
24-48 hrs
Approval Time
84 mo
Max Term

Why Equipment Financing Works

Equipment financing is built different — better rates, faster approvals, real tax benefits.

01

Equipment as Collateral

The equipment itself secures the loan, so you get lower rates and higher approval odds than unsecured financing.

Rates from 4.5%

02

Up to 100% Financing

Finance the full purchase price with nothing out of pocket — preserve your working capital for operations.

Zero down payment options

03

24-48 Hour Decisions

Fast-track underwriting gets you an answer quickly so you never miss a deal on the equipment you need.

Same-week funding available

04

Section 179 Tax Benefits

Deduct the full purchase price of qualifying equipment in the year you buy it — up to $1.22M for 2024.

Significant tax savings

Your Equipment, Our Catalog

From heavy machinery to precision medical devices — if your business runs on it, we finance it.

Construction equipment

Construction

Medical equipment

Medical

Manufacturing equipment

Manufacturing

Transportation equipment

Transportation

A Simple 4-Step Process

From quote to delivery in as little as 48 hours.

01

Get a Quote

Obtain an equipment quote or invoice from your vendor.

02

Apply Online

Submit our 10-minute application with equipment and business details.

03

Fast Approval

Receive your financing decision within 24-48 hours.

04

Equipment Ships

We pay the vendor directly and your equipment is delivered.

Transparent Pricing

Rates and terms based on equipment value, business strength, and credit profile.

Starter

$25K - $100K
Rate8 - 12%
Term12 - 36 mo
Sweet Spot

Growth

$100K - $500K
Rate6 - 10%
Term24 - 60 mo

Scale

$500K - $2M
Rate4.5 - 8%
Term36 - 84 mo

Enterprise

$2M+
RateCustom
TermCustom
Tax Advantage

Section 179 Deduction

Businesses can deduct the full purchase price of qualifying equipment in the year it's placed in service. For 2024, the deduction limit is $1.22 million with a spending cap of $3.05 million. This can significantly reduce your net cost of ownership.

Consult your tax advisor for eligibility and specific benefits for your business.

$1.22M2024 Deduction Limit

What You Need

Equipment financing has lighter requirements because the equipment itself secures the loan.

Business Requirements
6+ months in business
Minimum $50K annual revenue
Valid business license
Equipment quote or invoice from vendor
Credit & Financial Requirements
550+ personal credit score
Business bank account in good standing
Reasonable debt-to-income ratio
No recent bankruptcies or active tax liens

The Smarter Way to Equip Your Business

Equipment serves as collateral — lower rates, higher approvals
Finance up to 100% of equipment cost — preserve working capital
Fixed monthly payments for predictable budgeting
Build business credit with every on-time payment
No prepayment penalties on most programs
Section 179 tax deductions may apply
Flexible end-of-term options: purchase, return, or upgrade
Engineer inspecting precision manufacturing equipment

Common Questions About Equipment Financing

Ready to Finance Your Equipment?

Apply today and get the machinery, vehicles, or technology your business needs to compete.

24-48 hrs
Approval Time
100%
Equipment Financing
Section 179
Tax Benefits
84 mo
Max Term

Rates shown are examples for qualified borrowers. Actual rates depend on credit profile, business financials, time in business, and product type. All financing subject to approval.