Business equipment funding

Capital for your next equipment acquisition — Commercial Equipment Finance Partners

Q: What is the difference between a capital and operating lease?

A capital lease acts like a loan where you own the asset at the end, typically for a $1 buyout. An operating lease is more like a rental, allowing you to return or upgrade the equipment after a set term. Capital leases are usually for equipment you intend to keep for 5+ years.

Q: Can I get financing with bad credit?

Yes, many lenders in our network specialize in bad credit equipment leasing. These lenders look primarily at the equipment value as collateral, reducing the emphasis on your personal FICO score. You may see higher interest rates compared to prime borrowers, but funding remains accessible for most small businesses.

Q: Is there a down payment requirement?

Many of our partner lenders offer no down payment equipment financing, especially for established businesses. If a down payment is required, it typically ranges from 10% to 20% of the asset cost. This requirement depends on your credit profile, the equipment type, and the lender's current risk assessment models.

Q: What are the common equipment loan requirements?

Most lenders require at least 6 months of business bank statements, a basic equipment quote or invoice, and a completed credit application. For amounts over $150,000, expect to provide two years of business tax returns and a current year-to-date profit and loss statement to verify your ability to handle the payments.

We connect US business owners with lenders for machinery, tech, and vehicle financing while preserving your cash flow.

Call a funding specialist

Soft credit check only. Your business credit score remains intact.

How it works Why this exists

The technical terms

Section 179 deduction
Capital lease
Operating lease
Equipment collateral
Asset utilization
Term length
Down payment
Amortization

What we fund

B2B commercial equipment financing and leasing for US small-to-mid-sized businesses

Financing options matched to your situation, in one place.

$10K–$5M Funding amounts available
24–72 hours Typical approval timeline
1 soft pull No impact to credit score

How it works

How the money moves.

One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.

You

Submit request

Share your equipment needs and business details in our two-minute form.

Review matches

We filter your request against our vetted network of US commercial lenders.

Lender

Get terms

Compare interest rates and lease structures sent directly from partner lenders.

Lender

Receive funds

Finalize documents and have the capital wired for your equipment purchase.

Expert lender network

Access to 50+ specialized lenders who understand machinery collateral.
We handle the paperwork so you only see relevant, viable offers.

Tax efficiency focus

Learn how Section 179 can reduce your taxable income this year.
We help identify leases that optimize your year-end balance sheet.

Zero pressure process

Our service is free for borrowers; we earn a fee from the lender.
No obligation to accept any offer you receive through our portal.

Why this exists

Why the usual lenders say no.

Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.

Short time in business

Banks view businesses under two years old as high-risk ventures.

We work with lenders who prioritize equipment value over company age.

Non-perfect credit

Traditional lenders often issue blanket rejections for lower FICO scores.

Many partner lenders focus on asset equity instead of personal credit.

Specific industry risk

Bank underwriters often lack expertise in niche equipment categories.

We match you with specialized lenders familiar with your exact industry.

Composite scenarios

What a funded request actually looks like.

Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.

$150K–$200K

Machine shop owner

Purchase of a new 5-axis CNC mill to increase production capacity.

$75K–$100K

General contractor

Acquisition of two heavy excavators for a new multi-site project.

$250K–$300K

Medical clinic group

Leasing new MRI imaging hardware for an expanding radiology wing.

$50K–$60K

Startup logistics firm

Fleet purchase of three electric delivery vans for local service.

How we label illustrative scenarios →

Need more support?

Business working capital solutions

If you need funding for inventory, payroll, or business expansion beyond equipment, we provide access to specialized small business term loan providers.

Read our editorial standards →

Questions we get asked

Frequently asked.

How does equipment financing affect my taxes?

Depending on the structure, Section 179 may allow you to deduct the full purchase price of equipment from your gross income. A capital lease typically offers depreciation benefits, while an operating lease payment is often fully deductible as a business expense. Always verify with your accountant regarding your specific 2026 tax situation.

What is the difference between a capital and operating lease?

Can I get financing with bad credit?

Is there a down payment requirement?

What are the common equipment loan requirements?