Equipment Financing Guide
Everything you need to know about financing business equipment. From rates and terms to tax benefits and approval tips - we cover it all.
Getting Started
New to equipment financing? Start here.
Rates & Terms
Understand what you'll pay.
Tax Benefits
Maximize your tax advantages.
Credit & Approval
Get approved for financing.
Industry-Specific Guides
Specialized financing information for your industry.
Frequently Asked Questions
What is equipment financing?
Equipment financing is a type of business loan that allows you to purchase or lease equipment for your business. Instead of paying the full price upfront, you make monthly payments over a set term, typically 12-84 months, while using the equipment to generate revenue.
How much can I finance?
Equipment financing amounts typically range from $5,000 to $5 million or more. Our Quick Lease program offers financing from $30,000 to $5 million for both new and used equipment from dealers or private parties.
What are current equipment financing rates?
Equipment financing rates in 2026 range from 6.99% APR for excellent credit (700+) to 18.99% for challenged credit. Your actual rate depends on credit score, time in business, equipment type, and loan amount.
How long does approval take?
With our Quick Lease program, approvals can happen in as fast as 4 hours for qualified applicants. Application-only financing up to $350,000 typically receives same-day decisions.
Do I need a down payment?
Not always. We offer 0% down payment options for qualified borrowers. Some transactions may require 10-20% down depending on credit profile and equipment type.
Can I finance used equipment?
Yes! We finance both new and used equipment from dealers, auctions, and private party sellers. Used equipment financing can help you acquire quality equipment at a lower cost.
Ready to Finance Your Equipment?
Get approved in as fast as 4 hours with our Quick Lease program. $30K-$5M financing with rates starting at 6.99%.