The equipment itself is the collateral — protect your working capital.
Finance titled or heavy equipment with the asset serving as its own collateral. Terms match the useful life of the equipment, monthly payments are predictable, and in most cases the interest is deductible while you depreciate the asset (consult your CPA).
Amount
Up to $2,000,000
APR
8.5% – 14%
Term
24 – 84 Months
Down Payment
0% – 10%
Funding Time
3 – 5 Days
Credit Minimum
620 FICO
01
Provide equipment quote or invoice from vendor.
02
Application with basic business info and bank statements.
03
Approval typically within 24 – 48 hours.
04
Vendor is paid directly; equipment is delivered and monthly payments begin.
Published research and industry data on how equipment financing help U.S. businesses grow.
$1.34 Trillion
Equipment and software investment financed by U.S. businesses in 2024 — 79% of companies use some form of financing for equipment acquisitions.
Source: Equipment Leasing & Finance Association (ELFA), 2024 Report
79%
Of U.S. companies use financing, leasing, or a line of credit to acquire equipment rather than paying cash.
Source: ELFA / Equipment Leasing & Finance Foundation
Section 179
Businesses can deduct up to $1,220,000 of financed equipment in the year it's placed in service, meaningfully improving after-tax cost of capital.
Source: IRS Section 179 Deduction, 2024
Logistics
Owner-operator, Trucking
$145k financed a new sleeper cab with $0 down. Truck's first-year gross paid off 62% of the note; owner kept working capital fully intact.
Healthcare
Dental practice
Financed $220k of imaging equipment over 60 months. New services added $38k/month to practice revenue — payment covered nearly 6x over.
Composite outcomes based on client engagements; individual results vary.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.