Business
Equipment
Loans & Financing
Last updated: July 2026
Keep your operations running with high-quality, functional equipment. Finance repairs, upgrades, and new acquisitions without depleting your working capital.
Financing at a Glance
Equipment That Pays for Itself
The right equipment drives revenue. Equipment Financing lets you acquire what you need today, while spreading the cost over time and preserving your working capital for daily operations.
Preserve Working Capital
Equipment purchases can be significant one-time expenses. Financing spreads that cost over time, keeping your cash reserves available for payroll, inventory, marketing, and other operational priorities.
You Own the Asset
Unlike leasing, Equipment Financing means the asset belongs to your business. You build equity in the equipment itself, and ownership transfers fully at the end of the repayment period with no residual payment or return obligation.
Fast Enough for Urgent Situations
A broken piece of critical equipment can stop your business. We move fast, delivering decisions often within hours and funding within 24 hours, so downtime is minimized and operations resume quickly.
Works Across Every Industry
We finance equipment for construction, manufacturing, medical, food service, retail, transportation, and virtually every other business vertical. If it's essential to your operations, it likely qualifies.
How Equipment Loans Work
Apply Online in Minutes
Submit a brief application and connect with a dedicated Capital Advisor. Describe the equipment you need (what it is, its approximate value, and whether it is a purchase, repair, or upgrade) and they'll guide you toward the right structure.
Get a Decision
Your advisor reviews your revenue profile and the equipment being financed, then presents a clear funding offer with transparent terms. Often the same day, no excessive paperwork or unnecessary delays.
Get Your Equipment
Receive your funds as fast as 24 hours after acceptance. Purchase, repair, or upgrade the equipment your business needs, and start generating returns on that investment immediately.
How to Use a Business Equipment Loan
Equipment loans are purpose-built for keeping your business's operational infrastructure in top condition, covering repairs, upgrades, and new acquisitions across every industry.
Repairs
Equipment breakdowns halt operations and cost more the longer they go unfixed. Get fast capital to cover essential repairs and keep your business running without disruption.
Upgrades
Replace outdated machinery, technology, or tools with equipment that improves efficiency, reduces downtime, and keeps your business competitive in the market.
New Acquisitions
Finance net-new equipment purchases, from commercial kitchen appliances to manufacturing machinery, to expand capacity and take on more business without depleting reserves.
Equipment Financing Options
Not every equipment situation calls for the same structure. Explore our products to find the right fit for your acquisition, repair, or upgrade.
Equipment Financing
Purpose-built for equipment acquisition. Finance the purchase of machinery, vehicles, technology, or any business-critical asset, and own it outright at the end of the term.
Learn MoreSmall Business Loan
Lump-sum working capital with no restrictions. Ideal for repairs, smaller equipment purchases, or situations where Equipment Financing doesn't apply.
Learn MoreRevenue Advance
Upfront capital repaid as a percentage of your daily revenue. A flexible alternative for equipment expenses when your revenue is variable.
Learn MoreLine of Credit
Revolving access to capital, draw for equipment needs as they arise, repay, and draw again. Good for ongoing maintenance and smaller recurring equipment expenses.
Learn MoreTerm Loan
Long-term structured repayment for major equipment investments. Fixed payments and a defined term make planning and budgeting straightforward.
Learn MoreNot Sure Which Fits?
Your Capital Advisor will evaluate your equipment situation and recommend the financing structure that makes the most sense for your business.
Let's TalkCommon Questions
Get the Equipment
Your Business Needs.
Apply today and get a decision often within hours. Capital in hand within 24 hours of acceptance, so downtime stays minimal and operations keep moving.