The equipment you need — without draining your cash
Trucks, machinery, ovens, imaging systems, excavators — finance new or used equipment up to 100%, keep your working capital intact, and let the asset pay for itself while you use it.
Equipment financing uses the equipment itself as collateral — which means less paperwork, easier approvals and no lien on the rest of your business. You take ownership (or lease with a purchase option), and the machine starts generating revenue while the payment stays fixed and predictable.
Because the collateral is built in, we can say yes to newer businesses and tougher credit profiles than almost any other product. And with Section 179, many clients deduct up to the full purchase price in year one — talk to your CPA, then let us structure around it.
Paying cash for equipment feels virtuous — right up until you need that cash for something else.
Preserve working capital
A $150K machine paid in cash is $150K you can’t spend on payroll, inventory or the next opportunity. Finance the asset, keep your powder dry.
Cash stays liquid
Fixed, predictable payments
One flat monthly number for the life of the term. No variable-rate surprises, no balloon shocks unless you choose that structure deliberately.
Budget certainty
Potential tax advantages
Section 179 and bonus depreciation can allow deduction of up to the full equipment cost in the year you place it in service. Your CPA confirms; we structure.
Section 179
Approvals in 24–48 hours
Because the equipment secures the deal, approvals move fast — often with just an application and an invoice or quote from your vendor.
App + invoice only
Simple Process
Four steps from quote to keys in hand
Have a vendor quote or invoice already? You’re most of the way there.
01
Tell us about the equipment
Apply below with the equipment type, price and vendor. A quote or invoice speeds things up but isn’t required to start.
~4 minutes
02
Get matched & approved
We pair your deal with lenders who specialize in your exact asset class — trucking lenders for trucks, medical lenders for imaging, and so on.
24–48 hrs
03
Review your structure
Finance or lease, term length, down payment, seasonal schedule — see every option priced out before you commit to anything.
You choose
04
We pay the vendor
Funds go directly to your dealer or seller. You take delivery and the equipment starts earning its keep immediately.
If it makes your business money, we can probably finance it
Our lender network covers virtually every asset class — from a single food truck to a fleet of Peterbilts, from dental chairs to CNC machines. New or used, dealer or private party.
Not sure your equipment fits a category? Send us the quote. Odds are one of our lenders funds exactly that asset every week.
Absolutely. Used equipment — including private-party and auction purchases — is a huge part of what we fund. Terms adjust to the asset’s age and remaining useful life, and we’ll structure around it.
Many programs offer 100% financing with zero down, especially for established businesses. Newer businesses or older assets may see 5–20% down. Either way, you’ll know the exact number before you commit.
Financing builds equity and typically costs less overall; leasing keeps payments lower and can simplify upgrades. The right answer depends on the asset’s life, your tax situation and cash flow — your specialist will price both side by side.
It’s a tax provision that can let you deduct up to the full purchase price of qualifying equipment in the year you put it in service — instead of depreciating it over many years. Financed equipment qualifies, meaning you may deduct the full price while having paid only a fraction of it so far. Confirm specifics with your CPA.
Very likely. The equipment itself secures the loan, so lenders are far more flexible on credit than with unsecured products. We fund scores into the 500s regularly, particularly with a modest down payment.
For straightforward deals: approval in 24–48 hours and vendor payment within a day or two of signed docs. If you’re racing an auction deadline, tell us — we’ve hit some very tight windows.
