Bad Credit Equipment Financing
A low credit score does not have to stop your business. Because the equipment secures the financing, we approve business owners with credit scores as low as 500, with approvals in as fast as 4 hours.
Check My Options (No Credit Impact)Quick answer
Yes, you can get equipment financing with bad credit. Because the equipment itself acts as collateral, lenders take on less risk, so approvals are common for credit scores as low as 500. Rates and terms depend on your credit, revenue, and time in business.
- Credit scores as low as 500 considered
- Equipment acts as collateral
- Approvals in as fast as 4 hours
- Checking options is no credit impact
Why Bad Credit Isn't a Dealbreaker
Equipment financing works differently than a traditional unsecured loan.
The Equipment Is the Collateral
Because the equipment secures the financing, lenders take on less risk, so a low credit score is far less of a barrier than with an unsecured loan.
All Credit Profiles Considered
We work with scores as low as 500. Strong business revenue, time in business, and the right equipment can outweigh a rough credit history.
Fast, No-Impact Pre-Qualification
Checking your options is a soft pull with no impact to your credit score, and approvals can come in as fast as 4 hours.
How to Get Approved With Bad Credit
Simple ways to strengthen your application and improve your approval odds.
See What You Qualify For Today
Pre-qualifying takes minutes and never impacts your credit score. Find out your real options, whatever your credit looks like.
Get Pre-Qualified Now