Business Equipment Financing
Equipment Financing Built Around Your Business
Acquire the equipment you need while considering cash flow, asset life and the plans driving your next investment.
Transaction range
$5,000 to $5,000,000 in eligible equipment financing
From essential purchases to substantial expansion projects, we discuss commercial equipment loans and leases within this range. Actual loan or lease amounts, repayment terms, rates and availability depend on the equipment, underwriting, documentation and funding program. This is not an offer or guarantee of financing.
Need business working capital?
Working capital supports operations, inventory and growth rather than a particular equipment asset. Explore available funding paths and important differences from equipment leasing.
Explore Working Capital →Financing that starts with understanding
The right structure begins with your business.
Whether you're growing a manufacturing operation, expanding a truck fleet or updating essential technology, an equipment purchase can influence both cash flow and long-term performance.
Equipment financing generally allows an eligible business to acquire equipment with payments over time rather than paying the full purchase price up front. Approval, collateral arrangements, repayment schedules and other terms depend on the individual transaction and provider.
Our focus is to understand the equipment and the business case behind it, then discuss financing paths that may fit.
Common financing structures
Options worth understanding
Each option has distinct ownership, accounting, tax and contractual considerations. Your accountant and legal advisers can help evaluate implications.
01
Equipment Loans
A loan commonly finances an equipment purchase with payments over an agreed term. The borrower typically owns the equipment, subject to security interests and other conditions.
02
Equipment Leasing
A lease may offer an alternative to an outright financed purchase. Ownership, purchase options and obligations at the end of the term depend on the agreement.
03
Specialized Transactions
Used assets, multiple machines, vendor-backed programs and larger or more complex purchases may require additional underwriting and customized terms.
What influences approval?
We consider the complete picture.
Potential financing terms depend on more than the price of the equipment.
- Time in business and industry experience
- Credit history and existing financial obligations
- Revenue, operating cash flow and available financial statements
- Equipment type, age, value and anticipated use
- Transaction size, down payment and requested structure
What to prepare for an initial discussion
You don't need every document to start a conversation. These details are often useful:
- Basic company and contact information
- Equipment make, model and purchase price
- Seller quote or invoice, if available
- Expected timing and business purpose
- A general overview of company operating history
For your privacy, do not email Social Security numbers, bank account credentials or sensitive documents. Use a verified secure collection process when requested.
Explore by industry
Financing solutions for the equipment you use
Construction
Keep projects moving with financing for the equipment your crews depend on.
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Manufacturing
Invest in precision, productivity and production capacity.
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Transportation
Move goods, expand routes and keep your fleet productive.
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Agriculture
Support the equipment needs behind every growing season.
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Questions answered
Equipment financing FAQs
Can a business finance used equipment?
Some new and used equipment may qualify for financing. Eligibility depends on age, condition, valuation, industry and credit criteria.
How is a loan different from a lease?
Ownership, payment structure, tax considerations and end-of-term options can differ. See the leasing page for a detailed overview.
Is there a standard minimum credit score?
There is no single score that establishes approval across every program. Financing providers consider multiple aspects of the business and transaction.
How quickly can a transaction close?
Timing depends on completeness of information, underwriting, equipment type, documentation and any required verifications. No fixed timeline can be promised.