Material handling equipment financing.

Forklifts and lift trucks, reach trucks and order pickers, electric pallet jacks, racking and shelving systems, conveyor systems, scissor lifts and access equipment, dock equipment, and warehouse automation, from a single unit to a full distribution-center fit-out. Transactions run from a $15,000 usual minimum to $5 million and above.

It depends on duty cycle. A forklift on one shift lasts well past a 60-month term, so buying it on an equipment finance agreement or a $1 buyout lease is usually cheaper over its life. Multi-shift, high-hour fleets wear trucks out on a three-to-five-year cycle, which is where a fair market value lease fits: a lower payment, and the worn-out years belong to the lessor. Both structures are available; the lease vs. loan guide shows the math side by side.

Yes. New, used, and refurbished equipment are financed from dealers, auctions, and private sellers. Used equipment is underwritten on its remaining useful life at the end of the term, and a private-party purchase adds a lien search, an inspection or appraisal on larger items, and funds paid directly to the seller rather than through you.

Expect 10% to 15% down on used equipment from a dealer and 15% to 25% on a private-party sale, with a rate roughly one to three points above the same equipment bought new. Lift trucks are underwritten on hours and battery condition as much as age; bring the hour meter reading. See the private-party purchase guide.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Equipment finance agreements run 24 to 84 months and leases 24 to 60 months, with $1, 10%, or fair market value buyouts. The term cannot outrun the equipment's remaining useful life, so used equipment is often written on a shorter term than new.

Racking, conveyor, and dock equipment are long-lived and usually financed and owned; lift trucks are the one category where the lease decision turns on hours per year. The lease vs. loan guide runs one machine through every structure with real numbers.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score.

Yes. Racking, conveyor, and automation projects are financed as one transaction on qualifying files, and soft costs such as freight, installation, and engineering can be included so the warehouse sees a single payment for the whole fit-out. Progress or pre-funding arrangements are available where a vendor requires deposits during the build.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.