Equipment financing makes it as simple as possible for small businesses to buy or lease exactly what they need. Flexible terms and rates deliver a streamlined way to get almost any type of equipment — necessary gear right now, with payments over time, instead of saving for a large lump sum.
What's eligible
- Used or new equipment — both qualify
- Most equipment types — vehicles, construction equipment, furniture and fixtures, computers, phone systems, servers — even software
- Loan or lease — land the best price from vendors with the option to buy or lease
- No leasebacks — equipment you already own can't be leased back
💡 Program snapshot: financing ranges from $10,000 to $20,000,000 with rates as low as 7% — built to fit short-term needs or big business moves.
Is an equipment loan right for me?
What types of equipment can I buy or lease with my funds?
The list is long — spanning vehicles, construction equipment, furniture and fixtures, and technology like computers, phone systems, and servers. Even software qualifies.
Which equipment loan option is best for me?
There are multiple programs and loan types available for equipment. The best choice is often driven by the type of equipment you need. Our specialists are happy to help you weigh and understand your options.
Why consider a loan instead of paying all at once?
Operating without key equipment often means compromising productivity, quality, or both. Instead of waiting to save or paying large sums up front, the right loan allows you to meet every opportunity and keep liquidity.
Advantages
- Funds a range of equipment, new or used
- Allows immediate purchase while keeping liquidity
- Fast approvals and flexible terms
- Competitive rates as low as 7%
Minimum qualifications
- 550 minimum FICO credit score
- 1+ year in business
- $10K minimum monthly gross sales
What you'll need to apply
- Business application
- Last 6 months of business bank statements
- Invoice for the equipment
- Most recent business tax return
If you've earned the work, the right equipment shouldn't stand in the way of business. Need general-purpose funds instead? Compare working capital or a business term loan.
Get the gear. Keep your cash.
60-second form, no cost to check options, no credit pull to start.
Check My Funding Options