Equipment financing lets you acquire machinery, vehicles, technology, or tools now and pay over time. The equipment itself serves as collateral, so approval is faster and easier than a standard business loan.
Equipment is the collateral . No additional collateral required . 600+ credit score accepted
Loan range
Min. credit score
Funding speed
Loan term
Share the equipment type, estimated cost, and your business financials. No hard pull. Takes 2 minutes.
We find an equipment financing offer that fits your business profile, with terms structured around the useful life of the equipment.
The lender pays the vendor directly. You take delivery of the equipment and make fixed monthly payments over the agreed term.
Most established small businesses qualify. Here is what lenders look for:
Most established small bussinesses qualify. Here is what lenders look for
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
1 year minimum
$25,000/month ($300K+ annually)
625+ FICO
The equipment being financed
(no additional collateral needed)
10–20% in some cases
(varies by lender and equipment type)
24–48 hours after approval
Up to $5,000,000
Up to 10 years
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
1 year minimum
$25,000/month ($300K+ annually)
625+ FICO
The equipment being financed
(no additional collateral needed)
10–20% in some cases
(varies by lender and equipment type)
24–48 hours after approval
Up to $5,000,000
Up to 10 years
Almost anything used in your business operations: vehicles, trailers, manufacturing machinery, medical equipment, restaurant equipment, construction equipment, computers, and technology systems. Both new and used equipment qualify.
With equipment financing (a loan), yes you own the equipment from day one. This is different from equipment leasing, where the lender owns the equipment and you pay to use it. We match you to both options based on your preference.
Because the equipment itself secures the loan. If you default, the lender repossesses the equipment. This lower risk for the lender translates to easier approval for you, even at lower credit scores.
No. Capital Loan Specialist uses a soft credit pull to check eligibility. No impact on your score until you formally apply with a lender of your choice.
Approval typically happens within 24–48 hours. Most lenders fund within 72 hours of approval meaning the equipment vendor is paid and delivery is arranged within the same week.
Yes. Most equipment lenders finance used equipment up to 10 years old. Rates may be slightly higher, and some lenders require an appraisal for high-value used items.
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A lump sum for any business purpose, not tied to a specific purchase. Flexible use of funds.
Revolving access to funds for smaller, ongoing equipment needs or maintenance costs.
Short-term funding for day-to-day operating costs, payroll, inventory, and overhead.
Free · 2 minutes · Soft pull only · 625+ credit score accepted
