Equipment financing & refinancing for business owners
New and used equipment funded from a dealer, vendor, or private party.
Secure, TLS-encrypted application. For commercial real-estate financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Amount
$30K – $5M
Per equipment schedule
Rates from
8.5%
Credit and asset dependent
Term
Up to 84 months
Custom payment options
Funding
Same day available
After approval and docs
How this program works
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.
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.
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
Step 1
Apply
Complete the secure partner application with your equipment details and contact info.
Step 2
Approval
Approvals are frequently issued in hours — often application-only up to $350,000.
Step 3
Documents
Sign the schedule, provide the invoice or payoff, and confirm the vendor or seller.
Step 4
Funding
Vendor or seller is paid directly; same-day funding is available on eligible files.
Frequently asked questions
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.
Other business capital options
Equipment Financing & Refinancing
Prequalifying takes minutes and is handled on our funding partner's secure, encrypted portal. Prefer to talk it through first? A local loan officer will call you back.
Secure, TLS-encrypted application. For commercial real-estate financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Applying opens the partner's secure prequalification portal in a new tab. All figures shown are indicative program parameters, not an offer or commitment to lend.