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Equipment Financing

The asset secures itself, so your working capital stays put.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

Let the equipment pay for itself

Financing tied to the asset you are acquiring. Because the equipment is the collateral, monthly payments stretch further and your cash reserves stay where they are.

Best suited to: Vehicles, kitchen and medical equipment, machinery, and fleet additions.

Monthly payments

Equipment value$10,000 – $2,000,000
Repayment12 – 72 months
Payment scheduleMonthly
Approval speedAs soon as 24 hours
CollateralThe financed equipment
CoverageNew and used; purchase or refinance

Apply for Equipment Talk to a desk

Stainless steel commercial kitchen with professional cooking equipment

What you get

How this works in practice

The asset is the collateral — reserves stay available.
Terms to 72 months keep the monthly payment low.
New and used both qualify, from any vendor.
Freight, installation and training can often be included.
Equipment you already own can often be refinanced.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 or more, evidenced by recent bank statements.

Business bank account

An active business account in the legal name of the company.

U.S.-based operation

Registered and trading in the United States.

Questions

About equipment

Yes. Used equipment qualifies and you may buy from any vendor, dealer or private seller.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures