Financing
Equipment Financing
Financing secured by the equipment itself. Because the asset is collateral, approval is easier and rates can be lower — and the gear may qualify for a Section 179 first-year tax deduction.
Key terms
The facts, up front.
- Approval range
- $50,000 – $5,000,000
- Term
- 2 – 7 years
- True APR
- 6.99% – 24.99% (credit-based)
- Down payment
- 0% – 20%
- Funding speed
- 2–7 business days
- Typical fit
- 580+ FICO
The true cost
Payment & Section 179 savings
Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.
Estimated monthly payment
$2,969
Total repaid
$178,168
Total interest
$28,168
Est. potential tax benefit
$45,000
Estimate only, not tax advice. The deduction is calculated on the equipment cost, not the amount financed. Your deduction can’t exceed your business’s taxable income for the year; any excess generally carries forward. Assumes this is the only Section 179 property you place in service this year. Eligibility and amount depend on the taxpayer, the property, business-use percentage, placed-in-service date, taxable income and other limitations — confirm with your CPA." Rates as of September 2, 2026.
A strong fit when
- Trucks, trailers, kitchen lines, machinery, and hardware
- Owners with bruised credit — the asset secures the deal
- Capturing the Section 179 first-year tax deduction
Probably not when
- Equipment that won't outlast the financing term
- Working capital dressed up as an equipment purchase
How the process actually works
The equipment is the collateral, so the FICO bar is lower than almost anything else. New or used both work, with 0–20% down depending on the asset and your file.
Matching runs on a soft pull; a hard pull happens only when you accept a specific offer.
Often used by
Industries that lean on this.
Questions
Equipment Financing, answered.
- Section 179 estimates are illustrative, not tax advice — confirm with your CPA.
- True APR depends on credit, the asset, and down payment. Financing is arranged through our lending-partner network.
Equipment Financing
See if this is your best option.
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