info@equinoxfunding.com (877) 298-4676

We Finance the Equipment Your Business Needs

Simple approvals. Flexible terms. Nationwide coverage.

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Equinox Funding provides fast, flexible equipment financing for business owners who need equipment now — and for the vendors and dealers who want to help their customers say yes. Low down payments. 24–48 hour decisions. Section 179 tax savings up to $1,250,000. Startups welcome.

Apply Now — Takes Minutes See What We Finance Partner With Us →
0–10% Typical down payment
24–48 hrs Decision timeframe
$1.25M Max Section 179 deduction
$5K–$10M Financing range
For Business Owners

Get the equipment you need — fast

Whether you’re launching your first business or expanding an established operation, Equinox Funding provides equipment financing with low down payments, fast decisions, and flexible terms that fit your cash flow. Startups, growing businesses, and established operators all qualify.

Apply in minutes
For Vendors & Dealers

Help your customers say yes — close more deals

Partner with Equinox Funding to offer your customers a fast, flexible financing option at the point of sale. More approvals, shorter sales cycles, larger average order values, and a funding partner who specializes in the equipment you sell.

Become a partner
How It Works

From application to equipment in days

Getting equipment financing through Equinox Funding is straightforward. Apply once, get matched to the right funding structure, and have your equipment delivered — often within a week.

Step 1

Apply online

Fill out a simple application with your basic business information and equipment details. Takes minutes, not hours. No lengthy paperwork or bank-style documentation required.

Step 2

Get matched

We match you to the right financing structure — monthly payment, term length, and end-of-term options — basefd on your business profile and the equipment you need. Apply Now

Step 3

Sign & approve

Review your financing proposal and sign electronically. Most decisions come back within 24–48 hours. No lengthy underwriting delays or committee approvals.

Step 4

Equipment delivered

We pay the equipment dealer directly. Your equipment is delivered, installed, and ready for use while you make affordable fixed monthly payments.

Who Qualifies

Equipment financing for every stage of business

Because the equipment itself serves as collateral, our financing is more accessible than traditional options — for brand new businesses and established operations alike.

Startups & new businesses

Just getting started

  • First-time business owners welcome
  • Personal credit and equipment value drive approval
  • Industry experience and sufficient equity can help qualify
Growing businesses

6 months to 2 years in

  • Zero-down programs often available
  • Credit scores in the 620–680 range qualify
  • Seasonal revenue patterns and traditional lenders can still work
Established businesses

2+ years operating

  • Zero-down programs common
  • Multi-unit and fleet financing supported
  • Section 179 maximizes your tax strategy
For Vendors & Dealers

Turn more quotes into closed deals

Equipment vendors and dealers who partner with Equinox Funding give their customers a fast, flexible financing option right at the point of sale. When customers can say yes to equipment they couldn’t otherwise afford upfront, everybody wins — more units sold, larger average orders, and shorter sales cycles.

  • Close deals your competitors can’t. Offer financing at the point of sale.
  • Larger average order values. Customers buy more when payments are manageable.
  • 24–48 hour decisions. Keep deals moving without delays.
  • We pay you directly. Fast, clean, and hassle-free.
Become a Vendor Partner
24–48 hrs
Typical decision time — your customer gets an answer fast
$5K–$10M
Financing range — from single units to complete fleet orders
0–10%
Down payment — makes your equipment accessible to more buyers
What We Finance

From $5,000 to $10,000,000 in equipment

If your business needs it, we can fund it. Equinox Funding works across industries and equipment types — new and used, single units and complete buildouts.

$50K – $500K

Restaurant Equipment

Commercial kitchens, walk-in coolers, ovens, prep lines, and full buildouts.

See restaurant options
$75K – $1.5M

Fitness Equipment

Gyms, boutique studios, CrossFit boxes, and complete facility buildouts.

See fitness options
$80K – $500K

Semi Trucks & Trucking

Owner-operators, fleet expansion, dump trucks, and commercial vehicles.

See trucking options
$15K – $500K

Forklift Financing

Electric, propane, and diesel forklifts for warehouses and distribution.

See forklift options
$20K – $300K

Dental Equipment

Chairs, imaging, sterilization, CAD/CAM systems, and full practice buildouts.

See dental options
Section 179 — 2026 Tax Savings

Finance equipment. Deduct the full value in year one.

Section 179 lets you deduct the full cost of equipment placed in service — up to $1,250,000 in 2026 — in the year you acquire it. Most business owners don’t realize this applies to financed equipment, not just outright purchases. Combined with 40% bonus depreciation available in 2026, financing equipment this year delivers maximum immediate tax savings alongside low monthly payments.

$1,250,000
Max Section 179 deduction on financed equipment in 2026
Startup · Cycling Studio
$28,500
Year 1 tax savings
Equipment cost $95,000
Down payment $9,500 (10%)
Monthly payment $1,890 / mo
Tax bracket 30%
Growing · CrossFit Box
$66,500
Year 1 tax savings
Equipment cost $175,000
Down payment $0 (zero-down)
Monthly payment $3,480 / mo
Tax bracket 38%
Established · Full Gym
$201,600
Year 1 tax savings
Equipment cost $480,000
Down payment $0 (zero-down)
Monthly payment $7,650 / mo
Tax bracket 42%
Common Questions

What business owners ask about equipment financing

Straightforward answers to the questions we hear most from business owners and vendor partners exploring their equipment funding options.

How does equipment financing work at Equinox Funding?

Equinox Funding provides equipment financing structured as an equipment lease — meaning you make fixed monthly payments over a set term (typically 24–84 months), with the equipment serving as collateral. At the end of your term you can purchase the equipment outright (often for $1), renew your agreement, upgrade to newer equipment, or return it. The equipment is yours to use from day one while keeping cash in your business.

What types of businesses can qualify?

Startups, growing businesses, and established companies all qualify. Because the equipment itself serves as collateral, approval is based on equipment value and personal credit — not years in business. First-time business owners, new LLCs, and entrepreneurs qualify alongside established operations. Credit scores in the 600s regularly qualify, and down payments are typically 0–10%.

Can I take Section 179 tax deductions on financed equipment?

Yes — and this is the detail most business owners miss. Section 179 applies to equipment you finance, not just equipment you buy outright with cash. In 2026 you can deduct up to $1,250,000 in equipment value in the year it’s placed in service, even while making fixed monthly payments. Combined with 40% bonus depreciation available in 2026, financing equipment this year can deliver significant immediate tax savings on top of low monthly payments.

How quickly can I get a decision and receive my equipment?

Most Equinox Funding applications receive a decision within 24–48 hours. Once approved, funding typically completes in 3–5 business days and we pay the equipment dealer directly. Most businesses have their equipment delivered and operational within 1–2 weeks of applying.

How does the vendor partner program work?

Equipment vendors and dealers who partner with Equinox Funding can offer customers a financing option directly at the point of sale. You submit customer details, we handle approval and underwriting, and we pay you as the equipment dealer within days. No risk to you, no waiting on customer payments, and more closed deals on equipment your customers couldn’t otherwise afford upfront.

Ready to get the equipment your business needs?

Apply in minutes. Decisions in 24–48 hours. Low down payments. Section 179 tax savings. Serving business owners and vendor partners nationwide from Greenwood Village, CO.

Apply Now — Free & No Obligation Call (877) 940-1607 Partner With Us →