CAPITAL FOR WHAT COMES NEXT.BUSINESS / REAL ESTATE / PERSONAL
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BUSINESS / EQUIPMENT CAPITAL

Equipment Financing

Equipment financing and leasing can preserve operating cash while putting trucks, machinery, technology, or revenue-producing assets to work.

Check my readiness Compare the structures
01 / UNDERSTAND THE STRUCTURE

Put the asset to work.

Equipment financing or leasing funds a specific business asset. The equipment, its condition and useful life sit alongside the business's ability to make the payments.

Where it can fit

  • Businesses buying productive machinery or vehicles
  • Operators preserving cash for day-to-day expenses

Common uses

Replace equipmentExpand productive capacityLease technology or machinery
02 / THE QUALIFICATION PICTURE

What shapes the file.

  • Asset age, value and condition
  • Vendor invoice
  • Cash flow and borrower profile

General product guidance. A provider’s actual criteria and review determine eligibility.

Documents to prepare

  • Equipment quote or invoice
  • Asset specifications and vendor details
  • Recent business bank statements
  • Current profit and loss statement and balance sheet
Build a document checklist
03 / READ THE FINE PRINT

Know the tradeoffs.

  • A lease's end-of-term purchase option changes total cost.
  • Financing longer than the useful life can leave debt on an obsolete asset.
Understand the full cost
↳ / CAPITAL, CONSIDERED

Go deeper into this lane.

Construction Equipment FinancingFinance revenue-producing construction equipment around the asset, business use, invoice, and the company's ability to support the payment.Manufacturing Equipment FinancingManufacturing equipment financing can support machinery, production upgrades, and capacity expansion while preserving operating liquidity.Medical Equipment FinancingMedical equipment financing can spread the cost of revenue-producing technology or machinery across the period it is expected to serve the practice.Restaurant Equipment FinancingRestaurant equipment capital can preserve cash for payroll, inventory, rent, and launch costs while putting essential equipment to work.Trucking Equipment FinancingTruck and transportation equipment financing needs to work with the asset, route economics, cash flow, and operating reality.
T / CAPITAL, CONSIDERED

Put the numbers to work.

DISTILLED / TOOLS

Equipment financing tools

Compare payment structures, asset cost and purchase options.

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Loan payment tools

Explore payment, term and total-cost scenarios in the Tools directory.

Open the tool directory ON THIS SITE

Funding readiness

Identify strengths, constraints and the next document to prepare.

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04 / CAPITAL, CONSIDERED

Keep these on the shortlist.

Business Term LoansTerm loans are built for defined uses of capital with a repayment period that gives the investment time to produce a return.SBA LoansSBA-backed financing can support business growth, acquisition, real estate, and other eligible uses, but the tradeoff for structure and economics is usually more underwriting, documentation, and patience.Business Line of CreditA business line of credit can create repeatable access for inventory, payroll, seasonality, or unexpected opportunities without treating every draw like a brand-new financing event.
THE BIGGER PICTURE

Capital is one part
of the plan.

Solutions / Finance equipment Solutions / Finance business growth
Q / CAPITAL, CONSIDERED

A question worth asking.

Is a lease always cheaper than a loan?

No. Add the initial payment, periodic payments, fees and end-of-term options. Compare ownership, maintenance and return obligations as well.

YOUR NEXT MOVE

Make your next move an informed one.

Start with your profile. Understand the tradeoffs. Prepare a clear request.

Check readiness Prepare a funding brief