Equipment Financing

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Equipment Financing – Rates, Terms & How to Finance Business Equipment

Need to purchase business equipment without depleting your working capital? Equinox Funding provides comprehensive equipment financing solutions for businesses across all industries. From heavy construction equipment to commercial kitchen appliances, medical devices to delivery trucks—we help you acquire the equipment your business needs with fast approvals and flexible terms.


Equipment is the foundation of your business operations. Whether you’re starting a new business, expanding operations, or replacing aging equipment, the right financing solution enables you to acquire essential assets while preserving cash flow for inventory, payroll, marketing, and growth opportunities.

Equipment financing has become the preferred method for businesses of all sizes to acquire necessary assets. Rather than paying hundreds of thousands of dollars upfront, equipment financing spreads costs over time through manageable monthly payments—allowing businesses to put equipment to work immediately while maintaining financial flexibility.

Equinox Funding specializes in equipment financing across industries and equipment types. From construction companies needing excavators and dump trucks to restaurants acquiring commercial ovens and refrigeration systems, we provide financing solutions tailored to your specific operational needs and business goals.


Table of Contents

  1. Equipment Types We Finance
  2. How Equipment Financing Works
  3. Rates, Terms & Loan Amounts
  4. Qualification Requirements
  5. Buy vs. Lease: Complete Comparison
  6. Tax Benefits & Deductions
  7. Industries We Serve
  8. Frequently Asked Questions

Equipment Types We Finance

Equinox Funding finances virtually any type of business equipment across all industries. Here’s a comprehensive overview of the equipment categories we finance:

Food Trailer & Mobile Food Service Financing – Our Specialty

Equinox Funding is a recognized leader in food trailer financing, helping hundreds of food entrepreneurs launch and grow mobile food businesses. We understand the unique challenges and opportunities of the mobile food industry and offer specialized financing solutions for:

  • Food Trucks: Complete food truck packages, custom builds, commissary equipment
  • BBQ Trailers: Custom BBQ trailers, smokers, competition rigs
  • Coffee Trailers: Espresso trailers, mobile coffee shops, specialty beverage units
  • Concession Trailers: Event trailers, festival units, catering trailers
  • Custom Food Trailers: Build-to-spec trailers for unique food concepts

Why Food Entrepreneurs Choose Equinox Funding:

  • Deep expertise in mobile food business models and revenue patterns
  • Understanding of seasonal cash flow in food service
  • Flexible terms for startup food businesses
  • Experience with custom builds and specialty equipment
  • Fast approval for time-sensitive festival and event opportunities

Construction & Heavy Equipment

Construction companies and contractors rely on specialized heavy equipment to complete projects efficiently and profitably. We finance all types of construction equipment, including:

  • Excavators: Mini excavators, compact excavators, mid-size, large, and heavy-duty models from CAT, Komatsu, John Deere, Volvo, and all major manufacturers
  • Dump Trucks: Single-axle, tandem, tri-axle, quad-axle configurations for material hauling and construction applications
  • Bulldozers: Track dozers, wheel dozers, crawler dozers for earthmoving and grading
  • Backhoes: Loader backhoes, backhoe loaders, mini backhoes for versatile construction work
  • Skid Steers: Compact track loaders, skid steer loaders, multi-terrain loaders
  • Motor Graders: Road graders for grading and leveling applications
  • Wheel Loaders: Compact, mid-size, and large wheel loaders for material handling
  • Cranes: Mobile cranes, tower cranes, crawler cranes, boom trucks
  • Compaction Equipment: Vibratory rollers, compactors, pavers
  • Concrete Equipment: Concrete pumps, mixers, batch plants

Learn more about construction equipment financing and how we support contractors, builders, and heavy civil operations.

Commercial Trucks & Transportation

Transportation and logistics companies depend on reliable commercial vehicles to haul freight and serve customers. We finance all types of commercial trucks and transportation equipment:

  • Semi Trucks: Day cabs, sleeper trucks, heavy haul tractors from Freightliner, Peterbilt, Kenworth, Volvo, International, and Mack
  • Box Trucks: Straight trucks, cube vans, delivery trucks for last-mile logistics
  • Tow Trucks: Light-duty, medium-duty, heavy-duty wreckers and recovery vehicles
  • Cargo Vans: Sprinter vans, transit vans, delivery vans
  • Refrigerated Trucks: Reefer trucks, refrigerated vans, temperature-controlled vehicles
  • Flatbed Trucks: Standard flatbeds, step-deck, RGN lowboys
  • Trailers: Dry van trailers, flatbed trailers, refrigerated trailers, specialized trailers

Explore trucking industry financing options for owner-operators, small fleets, and established carriers.

Warehouse & Material Handling Equipment

Warehouses, distribution centers, and manufacturing facilities require efficient material handling equipment to maintain operations and meet customer demands:

  • Forklifts: Electric forklifts, propane forklifts, diesel forklifts from Toyota, Crown, Yale, Hyster, and Raymond
  • Reach Trucks: High-reach capabilities for vertical storage optimization
  • Order Pickers: Operator-up units for picking operations
  • Pallet Jacks: Manual and powered pallet jacks
  • Conveyor Systems: Sortation equipment, belt conveyors, roller conveyors
  • Racking & Storage: Pallet racking, warehouse shelving, mezzanines
  • Dock Equipment: Dock levelers, dock plates, dock seals

Discover manufacturing equipment financing solutions for production facilities and industrial operations.

Restaurant & Food Service Equipment

Restaurants, cafes, bakeries, and food service operations need reliable commercial kitchen equipment to prepare food safely and serve customers efficiently:

  • Restaurant Equipment: Commercial ovens, ranges, grills, fryers, refrigeration from Vulcan, Hobart, True, Turbo Air
  • Commercial Ovens: Convection ovens, deck ovens, combi ovens, pizza ovens
  • Refrigeration: Walk-in coolers, reach-in refrigerators, freezers, prep tables
  • Food Prep: Commercial mixers, food processors, slicers, prep tables
  • Warewashing: Commercial dishwashers, three-compartment sinks
  • POS Systems: Point-of-sale terminals, kitchen display systems, online ordering integration

For mobile food service equipment, see our Food Trailer & Mobile Food Service Financing specialty section above.

Medical & Healthcare Equipment

Healthcare providers, medical practices, and dental offices require specialized equipment to deliver quality patient care:

  • Dental Equipment: Dental chairs, X-ray machines, CBCT scanners, sterilization equipment, practice management software
  • Medical Imaging: MRI machines, CT scanners, ultrasound equipment, X-ray systems
  • Diagnostic Equipment: Lab equipment, testing devices, patient monitors
  • Surgical Equipment: Operating tables, surgical lights, anesthesia machines
  • Practice Furniture: Exam tables, medical carts, patient chairs
  • Ambulances: Type I, Type II, Type III ambulances and medical transport vehicles

Learn about healthcare equipment financing for medical practices, dental offices, and healthcare facilities.

Manufacturing & Production Equipment

  • CNC Machines: CNC mills, lathes, routers, plasma cutters
  • Fabrication Equipment: Welding equipment, press brakes, shears
  • Packaging Equipment: Filling machines, labeling equipment, shrink wrap systems
  • Assembly Line Equipment: Automated assembly systems, robotics
  • Quality Control: Testing equipment, inspection systems, measurement tools

Agricultural Equipment

  • Tractors: Utility tractors, row-crop tractors, compact tractors
  • Combines: Grain combines, corn heads, harvesting equipment
  • Implements: Plows, planters, seeders, cultivators, sprayers
  • Hay Equipment: Balers, mowers, rakes, tedders
  • Livestock Equipment: Feeders, waterers, handling equipment

Office & Technology Equipment

  • Computer Equipment: Servers, workstations, networking equipment
  • Copiers & Printers: Commercial copiers, large-format printers
  • Phone Systems: VoIP systems, communication equipment
  • Security Systems: Surveillance cameras, access control, alarm systems
  • Software: Enterprise software licensing, SaaS subscriptions

Fitness & Gym Equipment

  • Cardio Equipment: Treadmills, ellipticals, stationary bikes, rowers
  • Strength Equipment: Weight machines, free weights, power racks
  • Functional Training: Functional trainers, TRX systems, battle ropes
  • Group Fitness: Spin bikes, yoga equipment, boxing equipment

Explore fitness equipment financing for gyms, studios, and wellness facilities.

👉 Apply Now for Equipment Financing


How Equipment Financing Works

Equipment financing is a specialized type of business loan or lease that uses the equipment itself as collateral. This structure makes approval easier and rates more competitive compared to unsecured business loans, since the lender has the equipment as security.

The Equipment Financing Process:

Step 1: Determine Your Equipment Needs
Identify the specific equipment your business needs. This includes equipment type, brand preferences, whether you need new or used equipment, and any special configurations or attachments required.

Step 2: Get Equipment Quotes
Obtain quotes from equipment dealers or sellers. Having specific equipment identified (including VIN or serial numbers) speeds up the financing process significantly.

Step 3: Apply for Equipment Financing
Complete a straightforward application with basic business information and equipment details. Unlike traditional bank loans requiring extensive documentation, equipment financing applications are streamlined and simplified.

Step 4: Review Financing Offers
Receive financing options tailored to your business qualifications, equipment type, and budget. Compare terms, rates, monthly payments, and structures to find the best fit.

Step 5: Accept Terms and Sign Documents
Once you’ve selected your preferred financing option, review and sign documents electronically. The process is fast and paperless.

Step 6: Equipment Purchase and Delivery
The lender pays the equipment seller directly, and you take possession of the equipment. In most cases, you can start using the equipment immediately while making monthly payments over the loan term.

Equipment Financing vs. Traditional Bank Loans:

Equipment financing offers several advantages over traditional bank loans:

  • Faster Approval: 24-48 hours vs. 30-90 days for bank loans
  • Easier Qualification: Equipment serves as collateral, reducing lender risk
  • Less Documentation: Streamlined application vs. extensive financial statements
  • Higher Approval Rates: Equipment backing increases approval likelihood
  • Flexible Terms: 2-7 year terms aligned with equipment useful life
  • 100% Financing: Often available without down payment requirements

Equipment Financing vs. SBA Loans:

While SBA loans offer competitive rates and long terms, equipment financing provides distinct advantages:

  • Speed: Equipment financing: 24-48 hours. SBA loans: 60-90 days
  • Simplicity: Less paperwork, fewer requirements, streamlined process
  • Accessibility: Available to newer businesses and those with challenged credit
  • Purpose-Specific: Designed specifically for equipment purchases

For businesses needing working capital beyond equipment, consider a business line of credit to cover operational expenses, inventory, and cash flow gaps.

👉 Get Your Equipment Financing Quote


Rates, Terms & Loan Amounts

Equipment financing rates and terms vary based on several factors including creditworthiness, equipment type, and business qualifications. Here’s what you can typically expect:

Typical Loan Amounts:

  • Small Equipment: $5,000 – $50,000 (office equipment, light machinery)
  • Medium Equipment: $50,000 – $250,000 (forklifts, trucks, kitchen packages)
  • Large Equipment: $250,000 – $1,000,000 (excavators, medical imaging, fleet purchases)
  • Major Acquisitions: $1,000,000+ (complete facility outfitting, large fleet expansions)

Typical Repayment Terms:

  • Short-term: 12-36 months (technology, rapidly depreciating assets)
  • Medium-term: 36-60 months (vehicles, standard equipment)
  • Long-term: 60-84 months (heavy equipment, expensive machinery)

Repayment terms are typically aligned with the useful life of the equipment. Heavy construction equipment might have 7-year terms, while rapidly evolving technology might have 2-3 year terms.

Interest Rates:

Equipment financing rates typically range from 5% to 30% APR depending on:

  • Credit Profile: Personal and business credit scores significantly impact rates
  • Time in Business: Established businesses qualify for better rates
  • Equipment Type: Essential, durable equipment receives better rates
  • Equipment Age: New equipment typically has lower rates than used
  • Down Payment: Larger down payments reduce risk and improve rates
  • Loan Amount: Larger loans may qualify for volume discounts
  • Industry: Lower-risk industries may receive preferential rates

Down Payment Requirements:

  • 0% Down: Available for strong credit, new equipment, established businesses
  • 10-15% Down: Standard for most equipment financing
  • 20-25% Down: May be required for challenged credit or older equipment

Payment Structures:

  • Fixed Monthly Payments: Most common, predictable budgeting
  • Seasonal Payments: Available for seasonal businesses (agriculture, landscaping)
  • Deferred Payments: Payment-free periods while equipment generates revenue
  • Balloon Payments: Lower monthly payments with larger final payment

👉 Check Your Rate Today


Qualification Requirements

Equipment financing qualification is more flexible than traditional business loans since the equipment serves as collateral. Here’s what lenders typically evaluate:

Primary Qualification Factors:

Credit History:
Both personal and business credit are reviewed. While strong credit (680+) helps secure best rates, many businesses with challenged credit still qualify based on other compensating factors.

Time in Business:
– Established businesses (2+ years): Standard approval process
– Newer businesses (1-2 years): May require larger down payment
– Startups (<1 year): Can qualify with strong credit and substantial down payment

Business Revenue:
Consistent revenue demonstrates repayment ability. Most lenders prefer businesses with stable monthly revenue, though exact requirements vary by equipment cost and loan amount.

Industry & Equipment Type:
Lower-risk industries and essential equipment (trucks, manufacturing equipment) qualify more easily than luxury or specialized equipment.

Equipment Value & Age:
Newer equipment with strong resale value improves approval odds and terms. Most lenders prefer equipment under 10 years old.

Typical Documentation Required:

  • Completed application form
  • Business and personal tax returns (last 2 years)
  • Recent bank statements (last 3-6 months)
  • Equipment quote, invoice, or purchase agreement
  • Business license and formation documents
  • Personal and business financial statements

Can Startups Qualify?

Yes. Startup businesses can qualify for equipment financing based on:

  • Strong personal credit (700+)
  • Industry experience and professional background
  • Detailed business plan with realistic projections
  • Substantial down payment (20-30%)
  • Essential equipment with strong collateral value
  • Personal guarantee from owner

Many experienced professionals launching new businesses successfully obtain equipment financing even without business history.

👉 Check Your Qualification


Buy vs. Lease: Complete Comparison

One of the most important decisions in equipment financing is whether to buy (equipment loan) or lease equipment. Each option offers distinct advantages depending on your business needs:

Equipment Loans (Buying) – Best When:

Advantages:

  • Ownership: You own the equipment outright after final payment
  • Equity Building: Equipment becomes a business asset on your balance sheet
  • Maximum Tax Benefits: Qualify for Section 179 deduction and bonus depreciation
  • No Restrictions: Modify, customize, or sell equipment as needed
  • Long-term Savings: Lower total cost over equipment lifetime
  • Resale Value: Capture equipment resale value when upgrading

Best for:

  • Equipment you’ll use long-term (5-10+ years)
  • Durable equipment with long useful life (excavators, trucks, manufacturing equipment)
  • Businesses wanting to build equity and assets
  • Operations requiring equipment customization
  • Companies maximizing tax deductions

Equipment Leasing – Best When:

Advantages:

  • Lower Monthly Payments: Typically 20-30% lower than loan payments
  • Preserve Capital: Less cash tied up in equipment
  • Easy Upgrades: Replace equipment every 2-4 years with latest technology
  • Off-Balance Sheet: Leases may not appear as debt (operating lease)
  • Maintenance Included: Some leases include maintenance and service
  • Flexibility: Return or purchase equipment at lease end

Best for:

  • Rapidly evolving technology (computers, software, medical equipment)
  • Equipment needing frequent upgrades
  • Businesses preserving working capital
  • Companies wanting latest equipment without ownership commitment
  • Seasonal businesses managing cash flow

Lease Types Explained:

$1 Buyout Lease (Capital Lease):
Functions like a loan with guaranteed ownership at end. Purchase equipment for $1 at lease completion. Typically qualifies for Section 179 deduction.

Fair Market Value (FMV) Lease:
Lower payments with option to purchase at fair market value, return equipment, or continue leasing. Good for businesses upgrading frequently.

10% Option Lease:
Purchase equipment for 10% of original value at lease end. Balances lower payments with ownership opportunity.

Quick Comparison:

Factor Equipment Loan Equipment Lease
Ownership Yes, after final payment Optional at lease end
Monthly Payment Higher Lower (20-30% less)
Down Payment 10-20% typical 0-10% typical
Tax Benefits Section 179, depreciation Lease payments deductible
Balance Sheet Shows as asset + liability May be off-balance sheet
Flexibility Sell or keep equipment Easy upgrades
Total Cost Lower over time Higher overall
Best For Long-term use Frequent upgrades

The choice between buying and leasing depends on your equipment upgrade cycle, cash flow needs, and tax situation. Many businesses use both strategies—buying essential long-term equipment while leasing technology that evolves rapidly.

👉 Explore Your Options


Tax Benefits & Deductions

Equipment financing offers substantial tax advantages that can significantly reduce your effective equipment cost. Here’s how businesses benefit:

Section 179 Deduction:

Section 179 allows businesses to deduct the full purchase price of qualifying equipment in the first year rather than depreciating over time.

2026 Limits:

  • Maximum Deduction: $1,250,000 per year
  • Phase-out Threshold: Begins at $3,130,000 in equipment purchases
  • Qualifying Equipment: Most business equipment, vehicles, and machinery

Benefits:

  • Immediate tax savings rather than waiting years for depreciation
  • Reduces taxable income dollar-for-dollar
  • Available for both new and used equipment
  • Applies to financed equipment (you don’t need to pay cash)

Example:
Business purchases $100,000 in equipment. With Section 179, deducts full $100,000 from taxable income. At 30% tax rate, saves $30,000 in taxes—reducing effective equipment cost to $70,000. In 2026, businesses can deduct up to $1,250,000 in qualifying equipment purchases.

Bonus Depreciation:

Bonus depreciation provides additional first-year deductions for qualifying business equipment:

  • 2026: 40% of equipment cost
  • 2027: 20% bonus depreciation
  • 2028: 0% (unless extended by Congress)

Bonus depreciation can be used in addition to Section 179 for maximum first-year deductions. Note that bonus depreciation is phasing down, making 2026 an important year for equipment acquisitions.

Interest Deduction:

Equipment financing interest is typically tax-deductible as a business expense, further reducing your cost:

  • Deduct interest paid throughout loan term
  • Reduces effective interest rate
  • Available for both equipment loans and capital leases

Lease Payment Deductions:

For equipment leases, monthly lease payments are fully deductible as business expenses:

  • Simple deduction—just deduct monthly payment
  • No depreciation calculations required
  • Immediate tax benefit

Strategic Tax Planning:

Year-End Equipment Purchases:
Section 179 creates incentive for year-end equipment acquisitions. Purchase and place equipment in service before December 31st to capture full-year deduction.

Combining Deductions:
Businesses can strategically combine Section 179, bonus depreciation, and standard depreciation to maximize tax benefits across multiple years.

Consult Your Tax Advisor:
Tax laws are complex and subject to change. Always consult with qualified tax professionals to understand how equipment financing impacts your specific tax situation and maximize available benefits.

👉 Start Financing Equipment Today


Industries We Serve

Equinox Funding provides equipment financing across all industries. Here’s how we support specific sectors:

Construction & Contractors

Finance excavators, dump trucks, bulldozers, and all heavy equipment for residential, commercial, and heavy civil construction. Learn more about construction financing →

Transportation & Trucking

Fund semi trucks, box trucks, trailers, and fleet expansions for owner-operators and trucking companies. Learn more about trucking financing →

Healthcare & Medical

Acquire diagnostic equipment, dental equipment, medical imaging, and practice equipment for doctors, dentists, and healthcare facilities. Learn more about healthcare financing →

Restaurants & Food Service

Purchase commercial ovens, refrigeration, kitchen equipment, and POS systems for restaurants, cafes, and food service businesses. Learn more about restaurant financing →

Manufacturing & Production

Finance CNC machines, forklifts, production equipment, and manufacturing systems for industrial operations. Learn more about manufacturing financing →

Fitness & Wellness

Fund gym equipment, cardio machines, strength equipment, and studio buildouts for fitness facilities. Learn more about fitness financing →

Agriculture & Farming

Finance tractors, combines, implements, and agricultural equipment for farms and agricultural operations.

Landscaping & Grounds Maintenance

Acquire mowers, trucks, trailers, and maintenance equipment for landscaping and lawn care businesses.

Waste Management & Sanitation

Fund garbage trucks, roll-off trucks, compactors, and waste management equipment.

👉 Get Industry-Specific Financing


Frequently Asked Questions About Equipment Financing

What is equipment financing?

Equipment financing is a business loan or lease specifically designed for purchasing business equipment. The equipment itself serves as collateral, making approval easier and rates more competitive than unsecured business loans. Businesses make fixed monthly payments over a set term (typically 2-7 years) rather than paying the full equipment cost upfront.


How much can I borrow for equipment financing?

Equipment financing amounts typically range from $5,000 to $5,000,000+ depending on equipment type and your business qualifications. Small equipment purchases start at $5,000-$10,000, while large industrial equipment, complete facility outfitting, or fleet purchases can exceed $1,000,000. Equinox Funding works with businesses of all sizes across the full spectrum of equipment financing needs.


What equipment can be financed?

Virtually any type of business equipment can be financed, including:

  • Construction equipment (excavators, dump trucks, bulldozers)
  • Commercial vehicles (semi trucks, delivery trucks, vans)
  • Restaurant equipment (ovens, refrigeration, kitchen equipment)
  • Medical equipment (imaging equipment, dental equipment, diagnostic tools)
  • Manufacturing equipment (CNC machines, production equipment, forklifts)
  • Agricultural equipment (tractors, combines, implements)
  • Technology equipment (computers, servers, software)
  • Office equipment (copiers, phone systems, furniture)

If it’s used in business operations and has commercial value, it can likely be financed.


Do I need good credit for equipment financing?

While good credit helps secure better rates, equipment financing is accessible across the credit spectrum. Many businesses with challenged credit qualify based on:

  • Equipment serving as collateral (reduces lender risk)
  • Strong business revenue and cash flow
  • Time in business and industry experience
  • Substantial down payment (15-25%)
  • Equipment type and resale value

A credit score in the 600s can often qualify, and scores below 600 are evaluated on a case-by-case basis with compensating factors.


How long does equipment financing approval take?

Most equipment financing applications receive decisions within 24-48 hours. Once approved, funding typically completes within 3-5 business days. This is significantly faster than traditional bank loans (30-90 days) or SBA loans (60-120 days), allowing businesses to acquire equipment quickly and minimize operational disruptions.


Should I buy or lease business equipment?

The decision depends on your specific needs:

Buy (Equipment Loan) when:

  • You’ll use equipment long-term (5-10+ years)
  • You want ownership and equity
  • You want maximum tax deductions (Section 179)
  • Equipment has strong resale value

Lease when:

  • You want lower monthly payments
  • You’ll upgrade equipment every 3-5 years
  • You want to preserve working capital
  • Technology evolves rapidly (computers, medical equipment)

Many businesses use both strategies—buying essential long-term equipment while leasing technology that changes frequently.


Can startups get equipment financing?

Yes. Startup businesses can qualify for equipment financing even without business history based on:

  • Strong personal credit (700+)
  • Industry experience and professional background
  • Detailed business plan with realistic projections
  • Substantial down payment (20-30%)
  • Essential equipment with strong collateral value
  • Personal guarantee from owner

Many experienced professionals launching new businesses successfully obtain equipment financing to acquire essential equipment without business credit history.


What are the tax benefits of equipment financing?

Equipment financing offers significant tax advantages:

Section 179 Deduction: Deduct up to $1,220,000 of equipment costs in the first year (2024 limit) rather than depreciating over time.

Bonus Depreciation: Additional first-year depreciation (60% in 2024, phasing down) for qualifying equipment.

Interest Deduction: Equipment loan interest is typically tax-deductible as a business expense.

Lease Payment Deduction: Monthly lease payments are fully deductible as operating expenses.

These benefits can significantly reduce effective equipment cost. Consult your tax advisor to understand specific impacts on your situation.


Do I need a down payment for equipment financing?

Down payment requirements vary based on qualifications:

  • 0% Down: Available for strong credit (700+), new equipment, established businesses
  • 10-15% Down: Standard for most equipment financing situations
  • 20-25% Down: May be required for challenged credit, older equipment, or startup businesses

Larger down payments reduce monthly payments, improve approval odds, and often result in better interest rates.


Can I finance used equipment?

Yes. Most lenders finance used equipment up to 10-15 years old, depending on equipment type and condition. Used equipment financing typically requires:

  • Equipment inspection or appraisal
  • Maintenance records and service history
  • Verification of equipment condition
  • Slightly higher rates than new equipment
  • Potentially larger down payment

Used equipment provides cost-effective alternatives for businesses maximizing budgets or operators just getting started.


What’s the difference between equipment financing and a business loan?

Equipment Financing:

  • Secured by equipment (collateral)
  • Faster approval (24-48 hours)
  • Easier qualification
  • Purpose-specific (equipment only)
  • Up to 100% financing often available

Business Loan:

  • Unsecured or secured by business assets
  • Slower approval (weeks to months)
  • Stricter qualification requirements
  • Flexible use (any business purpose)
  • Typically requires substantial down payment

For working capital needs beyond equipment, consider a business line of credit or SBA loan.

👉 Apply for Equipment Financing Today


Ready to Finance Your Business Equipment?

Whether you’re acquiring your first piece of equipment, upgrading to newer technology, or expanding operations with additional assets, Equinox Funding provides the equipment financing solutions businesses need to succeed and grow.

Equinox Funding specializes in equipment financing with:

  • Fast approvals (often 24-48 hours)
  • Flexible terms (2-7 years) aligned with equipment useful life
  • Financing for all equipment types across all industries
  • Support for startups, growing businesses, and established companies
  • Nationwide coverage and dedicated equipment financing expertise
  • Competitive rates and transparent terms

Don’t let equipment costs hold your business back. Get the equipment you need to serve customers, improve operations, and grow your business while maintaining healthy cash flow for daily operations and strategic investments.

👉 Apply Now for Equipment Financing


Explore Specific Equipment Financing Options

Popular Equipment Categories:

Industry-Specific Financing:

Additional Financing Options: