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Equipment Financing

Fund up to 100% of the equipment your business needs. The equipment itself serves as collateral, making this one of the most accessible forms of business financing available.

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No credit impact · Takes less than 2 minutes · Free to apply

$5k–$5M
Funding Amount
100%
Equipment Cost Covered
Low Credit OK
Equipment as Collateral
2–5 days
Time to Fund
What Is It?

Finance the equipment your business needs without draining cash reserves

Equipment financing provides a loan or lease specifically to purchase business equipment. The equipment itself (a vehicle, machine, computer system, or any business asset) serves as collateral for the loan. This means lenders can often approve businesses with lower credit scores because the asset secures their investment.

Unlike general business loans, equipment financing is tied to a specific asset. You get 100% of the purchase price upfront, and repay over a fixed term with regular payments. At the end of the term, you own the equipment outright.

Equipment financing is widely used by construction companies, trucking businesses, medical practices, restaurants, and manufacturing operations: any business that relies on physical assets to generate revenue.

Apply once and get real offers from lenders who specialize in your specific equipment type and industry. You get rates and terms built for what you’re actually buying, not a generic business loan.

Quick Facts

Funding Range
$5,000 – $5,000,000
Coverage
Up to 100% of cost
Repayment
Fixed monthly payments
Loan Term
1 – 7 years
Time to Fund
2 – 5 business days
Credit Score
All types accepted
Collateral
The equipment itself

How It Works

Equipment financing is straightforward: identify the equipment, apply, and get funded.

STEP 1

Identify Your Equipment

Know what you need: a truck, restaurant oven, medical device, or manufacturing machine. Have a quote or invoice from the seller ready. Apply through FastFundAPP with your business details.

STEP 2

Receive Offers & Get Approved

You receive offers from lenders who specialize in your equipment type and industry. They evaluate the equipment value alongside your business profile so approvals are faster and more likely than with a general lender.

STEP 3

Purchase Equipment & Start Repaying

The lender pays the vendor directly (or reimburses you). You take ownership of the equipment immediately and begin fixed monthly payments. At the end of the term, the equipment is yours free and clear.

Who Qualifies?

Equipment financing is among the most accessible business funding types because the equipment secures the loan.

Pros & Cons

Equipment financing preserves your working capital while giving you the tools your business needs to grow.

Advantages

  • 100% financing with no large upfront cash outlay; preserves your working capital
  • Lower credit scores considered; the equipment as collateral reduces the credit requirement
  • High funding limits, up to $5M for qualifying equipment
  • Tax benefits: potential Section 179 deductions may reduce your tax liability
  • You own the equipment outright after the term ends
  • Industry-specific lenders, many of whom specialize in trucking, medical, construction, and more

Considerations

  • Equipment-only; funds cannot be used for other business expenses
  • May require a down payment, typically 10%–20% depending on the lender and equipment
  • Depreciation risk; equipment value may decline faster than the loan balance
  • Lender may repossess the equipment if payments are missed
  • Newer or specialty equipment may require additional documentation

Not ready to apply yet? We're happy to call you back.

Get the equipment your business needs without the upfront cash

Takes 2 minutes. No credit impact. No cost to apply. See your real equipment financing offers before committing to anything.

See What I Qualify For  →