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Equipment Financing & Leasing
Equipment loans and leases are designed to facilitate purchasing equipment, vehicles, or other assets needed for business operations.
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Loan Amount
$10,000,000
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Time to Fund
1-2 days
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Term Length
2-7 Years
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What is equipment financing and leasing?
Equipment financing & leasings empowers businesses to acquire vital machinery or technology without straining cash flow. Secured by the equipment itself, these loans allow companies to invest in their operations while preserving working capital. If your business relies on specific assets to function, this financing can provide a cost-effective solution to acquiring them. Equipment Loan & Leasing options include, Operating Leases, Finance Leases or Capital Leases, $1 Buyout Lease, Purchase Option Leases, Sale-Leaseback, & TRAC Leases (Terminal Rent Adjustment Clause), each offering different tax and balance sheet benefits.
How does heavy equipment financing work?
Equipment financing allows small business owners to acquire essential machinery without depleting working capital. These loans and leases provide funding for construction vehicles, manufacturing equipment, and specialized tools with repayment structures that match cash flow needs. Since the equipment or vehicle itself serves as collateral, financing terms are often more accessible than unsecured loans, making it a strategic choice for businesses needing to upgrade operations.
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Minimum Requirements
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Credit Score
620
Monthly Revenue
No Minimum Revenue Requirement
Time in Business
0–12 Months
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Equipment financing allows you to purchase equipment with a loan, while leasing provides access to equipment without ownership. Leasing often has lower monthly payments but may cost more long-term.
Yes, but lenders may impose restrictions based on the equipment’s age, condition, and resale value.
Businesses may deduct depreciation and interest under Section 179 or choose leasing options that allow full deduction of payments as operating expenses.
A sale-leaseback allows businesses to sell owned equipment to a lender and lease it back, unlocking capital while maintaining operational use. This is ideal for businesses needing liquidity without giving up essential assets.
For financed equipment, you are responsible for the full loan repayment. Leasing may be a better option if your business relies on frequently updated technology.
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