Funding Solutions

Equipment Financing

Acquire the trucks, machinery, and technology your business needs — while preserving working capital.

What It Is

Equipment financing lets you acquire business-critical equipment with the equipment itself serving as collateral for the financing. Instead of draining cash reserves for a major purchase, you spread the cost over the equipment's useful life — keeping capital free for operations and growth.

Who It’s Best For

Businesses that need vehicles, machinery, medical or dental equipment, restaurant equipment, or technology — and want to preserve cash while acquiring assets that generate revenue.

Common Use Cases

Trucks, trailers, and fleet vehicles
Construction and heavy machinery
Medical, dental, and imaging equipment
Restaurant kitchens and buildouts
Manufacturing and warehouse equipment
IT infrastructure and technology

Typical Requirements

Equipment quote or invoice from vendor
6+ months in business (varies by program)
Consistent business revenue
Basic financial documentation

Potential Advantages

Preserve cash while acquiring revenue-producing assets
Equipment serves as collateral — often better terms
Potential tax advantages (ask your CPA about Section 179)
New and used equipment programs available
Fixed, predictable payments

Important Considerations

The equipment secures the financing
Term should align with the equipment's useful life
Down payment requirements vary by program and profile
Total cost varies with credit profile and equipment type

Frequently Asked Questions

Can I finance used equipment?

Yes, many programs cover used and auction equipment. Age and condition requirements vary by program.

Do I need a down payment?

Some programs offer minimal-down structures for qualified applicants; others require 5–20%. Your specialist will present the options for your profile.

Are there tax benefits?

Equipment financing may qualify for Section 179 deductions or bonus depreciation. Confirm specifics with your tax professional — we're happy to coordinate with your CPA.

Ready to Move Forward?

Start with a short application or speak directly with a funding specialist. No obligation, and it will not impact your qualification to explore your options.

Apply Now Call (203) 943-1054