Specialty Financing / Equipment Financing
Equipment financing for machinery, vehicles, tech, and growth assets
Equipment financing can help businesses acquire revenue-producing assets while preserving cash flow. Compare loan, lease, and asset-backed options before you buy.
● Asset-backed funding ● Machinery, vehicles, tech & tools ● Compare lease vs loan options
Quick fit
Equipment financing may fit when the asset helps generate revenue
The equipment itself may support the financing structure, but lenders still review business health, owner profile, asset type, and repayment ability.
Equipment types
What can equipment financing cover?
Machinery
Manufacturing, production, packaging, construction, and industrial equipment.
Vehicles
Commercial trucks, vans, trailers, fleet vehicles, and specialty vehicles.
Technology
Servers, computers, POS systems, software-enabled hardware, and IT infrastructure.
Tools & fixtures
Revenue-producing tools, medical equipment, restaurant equipment, and office fixtures.
How it works
The asset matters more than with a general loan
Equipment financing is often tied to a specific purchase. The lender may evaluate the asset type, invoice or quote, useful life, resale value, down payment, business cash flow, and owner profile.
Because the equipment can sometimes serve as collateral, this product may be a better fit than using broad working capital for a fixed asset.
Purchase quote
Lenders often need an invoice, quote, or equipment description.
Lenders often need an invoice, quote, or equipment description.
Asset useful life
Terms should align with how long the equipment will be productive.
Terms should align with how long the equipment will be productive.
Down payment
Some programs require money down, depending on credit and asset risk.
Some programs require money down, depending on credit and asset risk.
Cash-flow fit
Payments should make sense against expected revenue or cost savings.
Payments should make sense against expected revenue or cost savings.
AI-verified lenders
Featured equipment financing partners
Featured placement may influence order.
Featured partner
Equipment Partner A
✓ AI-verified lender
Range: $10K–$1M
Best for: Machinery and vehicles
Speed: 2–5 days
Best for: Machinery and vehicles
Speed: 2–5 days
Equipment Partner B
✓ AI-verified lender
Range: $5K–$500K
Best for: Small equipment
Speed: 24–72 hours
Best for: Small equipment
Speed: 24–72 hours
Lease Partner C
✓ AI-verified lender
Range: $25K–$2M
Best for: Lease structures
Speed: 3–7 days
Best for: Lease structures
Speed: 3–7 days
Compare structures
Equipment loan vs. lease vs. general business loan
Equipment loan
Often used when the business wants to own the asset and repay over a fixed term.
Equipment lease
May fit businesses that want lower upfront costs, upgrade flexibility, or different end-of-term options.
General business loan
May fit when equipment is only one part of a broader funding need, but the asset-specific structure may be less precise.
Equipment financing FAQ
Questions to answer before financing equipment
Can startups get equipment financing?
Some newer businesses may qualify, especially when the equipment has collateral value, but owner credit and down payment may matter more.
Is leasing better than buying?
It depends on cash flow, tax strategy, asset life, upgrade needs, and whether long-term ownership matters.
Does equipment secure the loan?
Often, yes. The asset may serve as collateral, but lenders still evaluate repayment ability and business profile.