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Purchase or upgrade equipment while preserving cash on hand for daily operations.
Equipment financing funds a specific purchase — a truck, an oven, a lift, a chair, an X-ray unit — with the equipment itself anchoring the deal. That structure usually means better pricing than general working capital, and terms that match the useful life of what you're buying so you're not still paying for gear you've replaced.
Bring us the vendor quote or invoice and we handle the rest: new or used equipment both qualify, and approvals on clean files are fast. You keep your cash for operations while the equipment starts earning its keep immediately.
Equipment deals run within the same $5,000 to $10 million range. Because the asset provides security, the amount tends to track the equipment cost and its resale value rather than sitting strictly inside the 80%–150% revenue band that governs unsecured products.
Yes — new and used both qualify. For used equipment we’ll look at the quote or auction listing; age and condition affect the term we can offer.
Often the full quoted amount, depending on your revenue and the equipment. Send the vendor quote with your application and we’ll confirm quickly.
Equipment financing can be paired with a working-capital product in one conversation — tell your advisor the whole picture and we’ll structure around it.
Structures vary. Financing means you own it with a lien until payoff; a lease may end with a purchase option. Confirm which you're being offered, because the tax and ownership consequences differ.
Because the asset secures the deal, a lien is filed against it — that is the trade that makes this cheaper than unsecured funding. Talk to us before you miss a payment; restructuring while an account is current is far easier for everyone than the alternative.