Equipment financing & refinancing for business owners

At a glance

Access the nation's top equipment lenders through a tech-powered equipment financing marketplace. Financing is available for most industries and most credit profiles, approvals can be issued in hours, and eligible files can fund the same day.

Use financing to purchase NEW or USED equipment directly from a dealer or vendor — or even from a private party. Most equipment types are eligible, and the structure is tailored to your cash flow rather than forced into a single template. Application-only financing is available up to $350,000.

Program parameters

• $30,000 to $5 million
• No set credit score minimum
• Financing rates from 8.5%
• Up to 84-month terms
• 0% down on purchases
• NEW and USED equipment eligible
• Dealer, vendor, and private-party sales
• Application-only financing up to $350,000
• Custom payment options (seasonal, step, deferred)
• Most industries considered — nationwide

Best used for

Buy equipment without draining cash

0% down keeps your operating cash in the business while the asset starts producing revenue on day one.

Refinance equipment you already own

Pull trapped equity out of titled or serialized equipment, or restructure the term to lower your monthly payment.

Consolidate multiple equipment loans

Roll several schedules into one payment with a single maturity date and one lender relationship.

Private-party and auction purchases

Financing isn't limited to dealer inventory — private sales and auction buys can be funded with the right documentation.

What to have ready

• One-page application (business name, EIN, contact info)
• 3–6 months of business bank statements
• Equipment invoice, bill of sale, or existing payoff/loan statement
• Government-issued photo ID for the majority owner(s)
• Title or lienholder payoff letter for titled equipment (trucks, trailers)

From application to funded

1. Apply (Step 1) — Complete the secure partner application with your equipment details and contact info.
2. Approval (Step 2) — Approvals are frequently issued in hours — often application-only up to $350,000.
3. Documents (Step 3) — Sign the schedule, provide the invoice or payoff, and confirm the vendor or seller.
4. Funding (Step 4) — Vendor or seller is paid directly; same-day funding is available on eligible files.

Illustration — used dump truck purchase

• Equipment price: $120,000
• Down payment: $0 (0% down program)
• Amount financed: $120,000
• Term: 60 months
• Illustrative rate: 9.9%
• Estimated monthly payment: ≈ $2,542

The truck goes to work immediately while cash reserves stay intact. Figures are an illustration only — your approved rate, term, and payment will be set by the funding partner's underwriting.

Frequently asked

Can I finance used equipment?

Yes. New and used equipment are both eligible, including purchases from dealers, vendors, private parties, and auctions.

Is there a minimum credit score?

There is no set credit score minimum for this program. Pricing and structure adjust to the credit and the asset.

How much can I finance without full financials?

Application-only financing is available up to $350,000. Larger requests may require bank statements or financial statements.

Can I refinance equipment I already own?

Yes. Owned equipment can be cashed out, an existing loan can be paid off for a lower payment, or multiple loans can be consolidated into one.

How fast is funding?

Approvals can come back in hours and same-day funding is available on eligible files once documents and vendor details are received.

Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Figures are indicative program parameters, not an offer or commitment to lend.