Finance the machinery, vehicles, or technology the business actually runs on, without draining the cash you need for everything else. The equipment secures the loan, which is why approval is easier here than almost anywhere else.
Because the asset backs the loan, this is one of the easier structures to qualify for. The question is whether an asset purchase is really what you are financing.
These are the ranges we see across our funding partners. Your actual offer depends on the asset, your credit profile, and time in business — and is set by the partner, not by us.
| Term | Typical range |
|---|---|
| Amount | $10,000 to $2,000,000 |
| Term | 2 to 7 years, usually matched to the asset's useful life |
| Down payment | 0% to 20% depending on credit and asset type |
| Collateral | The equipment itself; a personal guarantee is common |
| Rate structure | Fixed, with predictable monthly payments |
| Prepayment | Varies — some partners charge, some do not |
Ranges are illustrative and are not an offer of credit. Rates, fees, and terms are determined solely by the funding partner and disclosed to you before you sign.
Often yes. Age and condition matter, and some partners cap the model year. Tell us what you are buying and we will tell you who will fund it.
Sometimes. Strong credit and a common, liquid asset class can get to zero down. Specialized equipment usually cannot.
Harder but not impossible. Fewer partners will do it and the documentation burden is higher.
No. We are an advisory service and refer your file to third-party funding partners who make their own credit decisions.
Revolving capital for operations rather than a single asset. Draw only what you use.
See More →A fixed amount over a fixed schedule when the purchase is not an asset that collateralizes itself.
See More →Two minutes, no hard credit pull, and a straight answer about whether equipment financing is open to you right now.
Check My Eligibility →