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Business Capital Advisors

Equipment financing

Finance or lease the equipment your business runs on.

Spread the cost of machinery, vehicles, and gear across its useful life, or unlock cash from equipment you already own with a sale-leaseback.

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Is this the right solution?

Which equipment financing structure fits the asset?

Commercial vehicles

From service trucks to delivery vans, finance the vehicles that keep your business moving.

  • Purchase amounts from $2,000+
  • Terms up to 60 months
  • New and used vehicles

Popular for: Contractors · Landscapers · Delivery services

Estimate an equipment financing payment

Checking options won't affect your credit score.

*Illustrative fixed-payment estimate using an 11.9% modeled APR. Actual approval, rate, fees, down payment, and term depend on the applicant, equipment, and funding partner.

Explore common equipment types

Equipment financing by asset type

Product definition

What is equipment financing?

Equipment financing spreads the cost of business equipment across its useful life. A loan or lease can fund vehicles, machinery, restaurant equipment, medical equipment, or manufacturing assets while preserving cash for payroll and operations.

How equipment financing works

How equipment financing works

  1. 01

    Request

    Tell us about the equipment and your business.

  2. 02

    Review

    We review your file and understand the purchase.

  3. 03

    Options

    See lender options structured around the asset.

  4. 04

    Approval

    Choose the written terms that fit your cash flow.

  5. 05

    Equipment

    The vendor is paid and you put the asset to work.

What you'll need

Documents needed for equipment financing

Vendor quote or invoice

Vendor quote or invoice for the equipment

Bank statements

3 months of business bank statements

ID and tax documents

Driver's license; larger tickets add tax returns

We keep your information secure and private.

Common questions

Equipment financing, answered straight.

Actual terms depend on the asset, your file, and the funding partner. These are the questions business owners ask first.

Do I need a down payment to finance equipment?

Often 0-20% depending on credit, the equipment type, and its age. Strong files regularly finance 100% of the vendor quote, and the lender usually pays the vendor directly.

Can I finance used equipment?

Yes. Most lenders finance used equipment with age caps, commonly 10-15 years at loan maturity depending on the asset class. Titled vehicles, yellow iron, and shop machinery all have active used-equipment financing markets.

What credit score does equipment financing require?

Because the equipment itself is the collateral, approvals reach lower than unsecured products, owners in the low-to-mid 600s get approved regularly, with pricing that improves as the score climbs.

Does equipment financing have tax benefits?

Financed equipment may qualify for a Section 179 deduction or bonus depreciation in the year it is placed in service, even though you are paying over time. Confirm with your accountant, the deduction depends on your tax position.

Ready to get the equipment your business needs?

Fast decisions. Flexible terms. Built around your business.