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Equipment Financing
Get the machine now and pay for it as it earns — the equipment secures itself.
- Preserve cash flow
- Flexible payment terms
- Upgrade essential equipment
- Amount
- $10K – $2M
- Term
- 2 – 7 years
- Funding time
- 1 – 5 business days
- Financing
- Up to 100% of cost
Typical market ranges, not an offer of credit. Actual terms depend on lender underwriting and your business qualifications.
What it is
How this one works.
Equipment financing lets you acquire machinery, vehicles, or technology with manageable payments instead of a single large outlay. The equipment itself serves as the collateral, which keeps rates lower and approval easier than unsecured borrowing. Your cash stays in the business, the asset starts producing immediately, and the payments line up with the revenue it generates.
Best used for
- Construction, trucking, manufacturing, medical, and restaurant equipment
- Replacing aging machinery before it fails
- Adding capacity to take on larger contracts
- Technology and software rollouts
The process
What working with us looks like.
Send the quote
A vendor quote for the equipment is the starting point — it defines the collateral and the amount.
Structure the deal
We match the term to the useful life of the asset so you are not still paying for something you have retired.
Approval
Because the equipment secures the financing, approval is typically faster and cheaper than unsecured borrowing.
Vendor gets paid
Funds usually go straight to your vendor, and the equipment ships.
Qualifying
What you generally need.
These are typical thresholds across our lender network, not hard rules. Files that fall short in one area often still place if another is strong — which is exactly the judgment call worth a phone conversation.
- Time in business
- 1+ year
- Credit score
- 600+
- Down payment
- 0% – 20%
- Documents
- Equipment quote, 3 months statements
Straight answers
The upside, and the part to think hard about.
Advantages
- The equipment is the collateral, so no other assets are pledged
- Often finances one hundred percent of the cost, including delivery and installation
- Section 179 may allow a substantial first-year deduction — ask your CPA
- Easier approval than unsecured options at the same credit level
Things to consider
- Funds can only be used for the equipment, not general working capital
- Specialized or older used equipment may need a down payment
- You are committed for the term even if your needs change
- A lien sits on the equipment until it is paid off
Questions
Equipment Financing questions.
Can I finance used equipment?
Lease or finance?
What is Section 179?
Do I need a down payment?
Other options worth comparing
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CompareWhere this comes up in Idaho
Equipment is a common answer in these local economies, and each page explains why.
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Ready to look at Equipment?
Two minutes to apply, a soft credit pull, and a real answer about whether this is the right instrument for you.