Finance the Equipment Your Business Needs Without Draining Your Cash
Equipment financing lets you acquire machinery, vehicles, technology, or tools now and pay over time. The equipment itself serves as collateral, so approval is faster and easier than a standard business loan.
How Much Does Your Business Need?
$1,000,000
$1,000,000
Equipment is the collateral . No additional collateral required . 600+ credit score accepted
Up to $5M
Loan range
600+
Min. credit score
24–48 hrs
Funding speed
Up to 10 years
Loan term
How Equipment Financing Works
1
Apply in 2 minutes
Tell us your monthly revenue, time in business, and credit score range. No hard pull on your credit.
2
Get matched to an MCA lender
We find the advance that fits your daily sales volume and business profile from our vetted lender network.
3
Repay from daily sales
A fixed percentage of your daily card or bank deposits goes toward repayment , automatically. No invoice. No due date.
Who Qualifies?
Most established small businesses qualify. Here is what lenders look for:
In business for 1+ year
Monthly revenue of $25,000 or more ($300K+ annually)
Credit score of 600 or above
US-based business with an active business bank account
No open bankruptcies in the last 12 months
Who Qualifies?
Most established small bussinesses qualify. Here is what lenders look for
Think Equipment Financing might be right for you?
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
Minimum Requirements at a Glance
Requirement
Minimum
Time in business
1 year minimum
Monthly revenue
$25,000/month ($300K+ annually)
Credit score
625+ FICO
Collateral
The equipment being financed
(no additional collateral needed)
Down payment
10–20% in some cases
(varies by lender and equipment type)
Funding speed
24–48 hours after approval
Loan range
Up to $5,000,000
Loan term
Up to 10 years
Think Equipment Financing might be right for you?
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
Minimum Requirements at a Glance
Requirement
Minimum
Time in business
1 year minimum
Monthly revenue
$25,000/month ($300K+ annually)
Credit score
625+ FICO
Collateral
The equipment being financed
(no additional collateral needed)
Down payment
10–20% in some cases
(varies by lender and equipment type)
Funding speed
24–48 hours after approval
Loan range
Up to $5,000,000
Loan term
Up to 10 years
Our matching tool launches soon
Is Equipment Financing Right for Your Business
Is a Line of Credit Right for You?
PROS
(Section 179 deduction, consult your accountant)
CONS
Frequently Asked Questions
What types of equipment can I finance?
Almost anything used in your business operations: vehicles, trailers, manufacturing machinery, medical equipment, restaurant equipment, construction equipment, computers, and technology systems. Both new and used equipment qualify.
Do I own the equipment?
With equipment financing (a loan), yes you own the equipment from day one. This is different from equipment leasing, where the lender owns the equipment and you pay to use it. We match you to both options based on your preference.
Why is equipment financing easier to qualify for?
Because the equipment itself secures the loan. If you default, the lender repossesses the equipment. This lower risk for the lender translates to easier approval for you, even at lower credit scores.
Will applying affect my credit score?
No. Capital Loan Specialist uses a soft credit pull to check eligibility. No impact on your score until you formally apply with a lender of your choice.
How quickly can I get the equipment?
Approval typically happens within 24–48 hours. Most lenders fund within 72 hours of approval meaning the equipment vendor is paid and delivery is arranged within the same week.
Can I finance used equipment?
Yes. Most equipment lenders finance used equipment up to 10 years old. Rates may be slightly higher, and some lenders require an appraisal for high-value used items.
Further Reading
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Not the Right Fit? Explore Other Options
Business Term Loan
A lump sum for any business purpose, not tied to a specific purchase. Flexible use of funds.
Business Line of Credit
Revolving access to funds for smaller, ongoing equipment needs or maintenance costs.
Working Capital Loan
Short-term funding for day-to-day operating costs, payroll, inventory, and overhead.
Total Loan
Equipment Loan
$75K
Received
Matched with lenders including
Ready to Check Your Options?
Answer 5 quick questions. We match you to the right lender. No hard credit pull.
Free · 2 minutes · Soft pull only · 625+ credit score accepted