Equipment financing lets you acquire machinery, vehicles, technology, or tools without putting up your operating cash. The equipment itself serves as collateral — meaning faster approvals and better rates than unsecured loans.
Conventional wisdom says using business credit to buy equipment is expensive. Conventional wisdom is wrong about equipment financing. Because the equipment itself secures the financing, lenders take less risk, which translates directly into better rates, longer terms, and easier qualification than unsecured loans.
We finance virtually anything with a serial number and a useful life: trucks and trailers, construction equipment, manufacturing machinery, restaurant equipment, medical devices, IT infrastructure, software, even office furniture. New or used, from a dealer or private party.
Most deals don't require any down payment — finance the full equipment cost.
Section 179 lets you deduct the full cost in year one. Ask your CPA.
Because the equipment is collateral, lenders are more flexible on credit.
Keep your business line of credit available for true emergencies.
Equipment financing has some of the most flexible qualification standards of anything we offer — many lenders weigh the equipment value more heavily than personal credit.
Trucking & fleet. New rigs, trailers, refrigerated units, or replacements for an aging fleet.
Construction. Excavators, skid steers, loaders, attachments — new or used.
Restaurants. Hoods, ovens, walk-ins, POS systems — finance a full buildout.
Manufacturing. CNC machines, presses, automation equipment with long useful lives.
Medical & dental. Imaging, lasers, chairs, sterilization — Section 179 makes this a strong year-end move.
And much, much more. If it's got a serial number and a useful life, we can probably finance it. Ask us about your specific equipment.
No application fee. No impact on your credit. A real conversation about whether this is the right tool for what you're trying to do.