Equipment Financing: Get the Tools You Need to Win

Don’t let a lack of capital keep you from the machinery, technology, or vehicles your business needs to stay competitive. Equipment Financing allows you to purchase the tools of your trade today while spreading the cost over the life of the asset.

Whether it’s a commercial oven, a fleet of delivery vans, or new medical imaging software, we provide the capital so you can provide the results.

The Power of Asset-Based Lending

Because the equipment itself serves as collateral, this financing often features:

  • Lower Interest Rates: Secured loans are less risky for lenders, and we pass those savings on to you.

  • Higher Approval Rates: Even if your business is young or your credit isn't perfect, the value of the equipment can help you get a "Yes."

  • Preserved Cash Flow: Keep your cash in the bank for payroll and marketing while the equipment "pays for itself" through new revenue.

  • Flexible Terms: We match your repayment schedule to the expected lifespan of the equipment—usually 2 to 7 years.

Section 179: Your "Secret" Tax Weapon

One of the biggest advantages of financing equipment is the Section 179 Tax Deduction. This IRS rule may allow you to deduct the full purchase price of the equipment from your gross income in the very first year you put it into service—even if you haven't paid off the loan yet.

Example: If you finance a $100,000 machine and are in a 35% tax bracket, you could potentially save $35,000 in taxes this year. That effectively lowers your equipment cost to $65,000. (Consult your tax professional for details).

Lease vs. Loan: Which is Right for You?

FeatureEquipment LoanEquipment LeaseOwnershipYou own it from Day 1You "rent" it for the termEnd of TermLoan is paid off; you keep assetBuy, return, or upgradeBest ForHeavy machinery, long-life assetsTech, computers, high-turnover gearTax ImpactDepreciation + InterestMonthly payments are deductible

What Can You Finance?

If it's a tangible asset used to run your business, we can likely finance it.

  • Transportation: Trucks, trailers, delivery vans, and specialized vehicles.

  • Construction: Excavators, forklifts, cranes, and power tools.

  • Healthcare: X-ray machines, dental chairs, and lab equipment.

  • Hospitality: Commercial ranges, refrigerators, and POS systems.

  • Office/IT: Servers, workstations, and office furniture.

Get a Quote in Minutes

Ready to upgrade? Our process is simple: Provide an invoice or quote from your vendor, and we’ll handle the rest.

[Start My Equipment Application]

Funds are often sent directly to the vendor for a seamless purchase.