Own the equipment. Keep your cash.
An equipment finance agreement spreads the cost of new or used equipment over a fixed monthly payment, so the machine starts earning before it is paid for. You hold title from day one, and the equipment itself does most of the work of securing the deal.
Illustrative monthly payments on $75,000 financed at a representative rate. Estimates only, not an offer — your rate and payment depend on your credit profile and the program you qualify for.
A fixed payment, and the title is yours.
Equipment financing is the workhorse of commercial credit. You pick the equipment — from a dealer, an auction, or a private party — and we arrange a loan or equipment finance agreement that covers it. Payments are fixed for the life of the term, so a payment that works in month one still works in month sixty.
Because you own the equipment from day one, you build equity with every payment, depreciation benefits belong to you, and there is no end-of-term decision to make. The equipment serves as the primary collateral, which is why approvals move fast and why blanket liens on the whole business usually are not required.
Soft costs are part of real deals, so they can usually be wrapped in: delivery, installation, training, and warranties can ride inside the same fixed payment instead of hitting your cash account.
Section 179 can do heavy lifting.
Qualifying equipment placed in service this year may be fully deductible in year one under Section 179 — even though you are paying for it over several years. On a $100,000 purchase, that can translate to roughly $21,000–$37,000 in first-year federal tax savings depending on your bracket.
Not tax advice. Deductibility depends on your situation — confirm with your tax advisor.
Tell us about the equipment
One short application plus the quote, invoice, or listing. No obligation, and applying starts with a soft credit inquiry.
We line up your options
We match the deal to the lender that fits it best — approvals can come the same business day.
Sign and fund
Documents are electronic, the seller is paid directly, and the equipment goes to work — often within days.
If it earns its keep, we can likely finance it.
Want a lower payment with flexibility at the end? An equipment lease trades ownership on day one for smaller payments and a buyout choice at the end of the term.
Compare with Equipment Lease →Answers before you apply.
Can you finance used or private-party equipment?
Yes. New, used, auction, and private-party purchases are all financed. Private-party deals take a little extra verification on the title and the seller, and we handle that legwork.
Do I own the equipment?
Yes — with an equipment finance agreement, title is yours from day one and the lender simply holds a security interest in the equipment until it is paid off, like a car loan.
Can delivery, installation, and training be included?
Usually. Soft costs can typically be wrapped into the financed amount so the whole project lives in one fixed payment.
What if my credit is challenged, or I'm a startup?
We work across the full credit range, and startups are welcome. Several of our funding partners specialize in newer businesses and challenged credit, and a co-signer or additional collateral can strengthen the file.
One application. Options that fit.
Apply once and we match you with a dedicated funding professional who manages your deal from application to funding.