How do I qualify for small business equipment financing?

Most small business equipment financing lenders require at least 1 year in business, a minimum credit score of 600, and $100K+ in annual revenue. lendfloCapital works with startups, new businesses, and owners with less-than-perfect credit through its network of 75+ lenders.

What equipment categories can I finance for my business?

You can finance 200+ equipment categories including commercial trucks, construction equipment, medical equipment, restaurant and kitchen equipment, manufacturing machinery, agricultural equipment, IT hardware, and more — new or used.

How fast can I get equipment financing approved?

lendfloCapital provides equipment financing decisions in as little as 24–48 hours. Many small business equipment financing applications receive same-day approval, with funding in 1–3 business days.

Can a startup or new business get equipment financing?

Yes. lendfloCapital offers equipment financing for new and startup businesses. Equipment financing for startup businesses typically leverages strong personal credit and may include flexible down payment structures. We match startups to the right lender same-day.

Is equipment financing better than a business loan for purchasing equipment?

Equipment financing is usually better than an unsecured business loan for equipment purchases because the collateral (the equipment) lowers lender risk, resulting in lower interest rates and higher approval odds. Equipment financing also preserves your working capital and business credit lines.

Can I get construction equipment financing for a small or new business?

Yes. lendfloCapital specializes in construction equipment financing for small businesses and new contractors. We finance excavators, skid steers, dump trucks, cranes, compactors, and all heavy construction equipment — new or used — with same-day decisions and 0% down available for qualified construction companies.

What medical equipment financing options are available?

Medical equipment financing options include equipment loans, equipment leases, and deferred-payment structures for medical practices. lendfloCapital finances MRI machines, dental chairs, surgical equipment, diagnostic tools, physical therapy equipment, and all healthcare equipment from $10K to $5M with terms up to 84 months.

How do I finance equipment for my landscaping or trucking business?

Landscaping businesses can finance mowers, excavators, trailers, skid steers, and irrigation equipment. Trucking companies can finance commercial trucks, flatbeds, tankers, and semi-trailers. lendfloCapital matches landscaping and trucking businesses to specialized equipment financing lenders — often with no down payment and same-day approval.

Can I get equipment financing with bad credit?

Yes. Business equipment financing with bad credit is possible because the equipment acts as collateral, reducing lender risk. lendfloCapital works with business owners with credit scores as low as 550 through specialized lenders in our 75+ lender network. Startups and businesses with challenged credit can still qualify for equipment financing.

What are current equipment financing rates for small businesses?

Small business equipment financing rates in 2026 typically range from 4% to 30% depending on credit score, time in business, equipment type, and loan term. Businesses with strong credit (700+) and 2+ years in operation qualify for the lowest equipment financing rates. lendfloCapital compares rates across 75+ lenders to secure the best available rate for your equipment and business profile.

What is the difference between equipment financing and equipment leasing?

Equipment financing (a loan) means you own the equipment immediately and build equity. Equipment leasing means you rent the equipment for a set term, with lower monthly payments and the option to upgrade at lease end. lendfloCapital advises on both options and matches your business to the structure that best fits your cash flow and tax situation.

Do equipment financing companies check credit?

Most equipment financing companies do a soft credit check to pre-qualify you — no impact to your credit score. A hard pull only happens when you formally accept an offer. lendfloCapital starts with a no-hard-pull application so you can see your best equipment financing options risk-free.

What is capital equipment financing?

Capital equipment financing is a loan or lease structure used to acquire major business equipment assets — machinery, production equipment, heavy equipment, vehicles, and other capital expenditure items. Capital equipment financing lets businesses preserve working capital and cash flow while acquiring the high-value assets needed to operate and grow. lendfloCapital provides capital equipment financing from $10K to $5M across all capital equipment categories.

Can high-risk businesses get equipment financing?

Yes. Equipment financing for high-risk businesses is available through specialized lenders in lendfloCapital's 75+ lender network. Because the equipment itself is collateral, high-risk industries — including restaurants, trucking, construction, cannabis-adjacent, and businesses with prior credit challenges — can often qualify for equipment financing when traditional bank loans are unavailable.

How do I finance equipment for a moving or transportation company?

Moving companies can finance box trucks, cargo vans, trailers, dollies, packing equipment, and fleet vehicles through lendfloCapital's equipment financing program. Equipment financing for moving companies is available for new and used trucks with same-day decisions — owner-operators and established moving fleets both qualify.

Is equipment financing better than a business credit card for equipment purchases?

Equipment financing is almost always better than a business credit card for equipment purchases. Equipment financing offers significantly lower interest rates (4–30% vs. 18–29% for most business cards), longer terms (up to 84 months vs. revolving), higher limits (up to $5M vs. typical $50K card limits), and the equipment itself is collateral — not your personal credit line. For any equipment purchase over $10K, dedicated equipment financing is the smarter financial choice.

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Equipment Financing

Finance the equipmentyour business runs on.

Dedicated financing for 200+ equipment categories. From $10,000 to $5,000,000. Decision in 48 hours. No down payment required for most files.

Talk to a specialist

Construction & Heavy

Medical & Dental

Restaurant & Food Service

Vehicles & Fleet

Technology & Office

Manufacturing & Industrial

Equipment categories

Finance any equipment your business needs.

We specialize across 200+ equipment types. Find your category below.

Construction & Heavy Equipment

Excavators, dozers, cranes, loaders, and site equipment.

$25K – $5MDecision in 48h

Medical & Dental

Imaging systems, dental chairs, surgical tools, and lab equipment.

$10K – $2MDecision in 48h

Restaurant & Food Service

Commercial ovens, refrigeration, dishwashers, and prep equipment.

$10K – $500KDecision in 48h

Vehicles & Fleet

Box trucks, semi-trailers, vans, and commercial vehicle fleets.

$15K – $2MDecision in 48h

Technology & Office

Servers, workstations, point-of-sale systems, and AV equipment.

$10K – $500KDecision in 48h

Manufacturing & Industrial

CNC machines, presses, conveyors, and industrial automation.

$25K – $5MDecision in 48h

Finance any equipment, new or used.

Approvals in 24 hours. 100% financing available. No hard pull to start.

Who we finance

Built for operators with real equipment needs.

Equipment financing works across industries and file types. Here are three examples of how operators use it.

Restaurant expansion

A Dallas restaurant opening a second location needed a full commercial kitchen package.

The owner had strong revenue but did not want to tie up $85,000 in cash before opening. Equipment financing let them preserve working capital and take delivery before the lease started.

Commercial kitchen package$75K – $150K

Medical practice upgrade

A dental clinic needed to replace aging imaging equipment to stay competitive and retain patients.

New CBCT and chairside imaging systems cost $220,000. Equipment financing spread the cost over 60 months while the practice continued generating revenue with updated technology.

CBCT imaging system$100K – $500K

Construction fleet growth

A site contractor won a large commercial contract requiring two additional excavators immediately.

Purchasing outright would have strained cash reserves mid-project. Equipment financing provided $380,000 in funded capacity within 48 hours so the crew could mobilize on schedule.

Excavation equipment$250K – $2M

New vs. used equipment

Both qualify. Terms differ.

Whether you are buying new from a dealer or sourcing used equipment from a private seller, we can structure financing for both.

New Equipment

Easiest to approve

Source

Dealer, distributor, or manufacturer

Typical terms

24 – 84 months

Down payment

Often none required

Approval speed

Typically 24 – 48 hours

Tax benefit

Section 179 full deduction in year one

Best for

Medical, tech, restaurant, and manufacturing

Used Equipment

Source

Private seller, auction, or dealer

Typical terms

24 – 60 months

Down payment

May be required for older equipment

Approval speed

24 – 72 hours depending on age and condition

Tax benefit

Section 179 eligible — confirm with your advisor

Best for

Construction, vehicles, and industrial equipment

Both new and used equipment can qualify. Age, condition, and category affect terms. Ask a specialist about your specific file.

New or used — we finance it all.

Preserve cash flow. Keep your existing credit lines open.

Ownership options

Finance, lease, or buy — we help you choose.

Different equipment needs call for different ownership structures. Here is how each option compares.

Finance

What lenders evaluate in an equipment financing file.

Understanding these factors before you apply helps set accurate expectations and speeds up the review.

Time in business

Lenders prefer 2+ years, but we work with files as young as 12 months for the right equipment and credit profile.

Minimum 12 months

Credit score

Equipment financing has lower score requirements than unsecured credit because the asset itself secures the loan.

Starts around 550

Annual revenue

Revenue signals capacity to service the monthly payment. Bank statements or tax returns are the standard proof.

Typically $100K+ annually

Business entity type

Most business entities qualify — LLC, S-Corp, C-Corp, sole proprietor, and partnerships are all accepted.

All major entity types

Equipment age and value

The equipment is the collateral. New equipment is easiest to approve. Used equipment up to 15 years old typically qualifies.

Up to 15 years old

Existing debt load

Lenders review current obligations. Moderate existing debt is fine — your total debt-service coverage ratio is what matters.

Reviewed case by case

Document checklist

What you need to apply.

Requirements scale with deal size. Most small-to-mid-size files need only a few documents.

Most applications (under $150K)

1-page credit application
3 months business bank statements
Equipment invoice or dealer quote
Government-issued ID (owner)
Business formation documents (LLC / Corp)

Larger amounts ($150K – $1M)

Everything from tier 1, plus:
2 years business tax returns
2 years personal tax returns (owner)
Current profit & loss statement
Balance sheet (if available)

Specialty or heavy equipment ($1M+)

Everything from tier 2, plus:
Independent equipment appraisal (select categories)
Insurance binder (heavy equipment)
Detailed equipment specification sheet

Document requirements vary by lender, equipment type, and file complexity. Your specialist will confirm the exact list for your deal.

Documents in hand? Apply in under 5 minutes.

An advisor matches your equipment request to the best lender — same day.

Funding examples

Real deals, real numbers.

Illustrative examples across four equipment types and deal sizes.

Restaurant — Dallas, TX

Commercial kitchen package

Amount financed$85,000

Term48 months

Est. monthly payment~$2,100 / mo

Dental clinic — Houston, TX

CBCT imaging system

Amount financed$220,000

Term60 months

Est. monthly payment~$4,800 / mo

Site contractor — Phoenix, AZ

Excavator (used, 2018)

Amount financed$145,000

Term48 months

Est. monthly payment~$3,700 / mo

Logistics operator — Nashville, TN

3-truck fleet expansion

Amount financed$310,000

Term60 months

Est. monthly payment~$6,800 / mo

Examples shown are illustrative only. Actual payment amounts depend on creditworthiness, term, rate, and lender. Not a financing offer or commitment.

Equipment is the collateral

The asset secures the loan. Less reliance on personal credit.

Decision in 48 hours

Most files reviewed same business day.

$10K to $5M available

From small kitchen equipment to heavy construction fleets.

200+ equipment categories

If your business needs it, we have likely financed it.

How it works

From application to funded in four steps.

No branch visits. No 90-day wait. Real capital for real equipment needs.

Identify your equipment

Tell us what you need — type, age, and approximate cost. New or used equipment both qualify.

Submit your application

Complete our short intake in under 5 minutes. No hard credit pull to start.

Receive your offer

A dedicated advisor delivers a clear term sheet with exact payment and rate within 48 hours.

Equipment delivered

Sign electronically. Funds sent directly to the vendor. You take delivery and go to work.

Common questions

What equipment buyers ask before applying.

Straight answers. No bank language.

Yes. We finance both new and used equipment across most categories. Used equipment eligibility depends on age, condition, and category. Most used equipment up to 10 to 15 years old qualifies.

Still have questions? Talk to a specialist

Ready to finance your equipment?

100% financing available. Approvals in as little as 24 hours. No hard credit pull to start.

Ready to apply?

Get your equipment financed today.

Tell us what you need. A lendfloCapital equipment specialist will review your file and identify the best available offer from our lender network.

(214) 299-6096

Prefer to talk through your equipment needs first? Call and speak directly with a lendfloCapital equipment financing specialist.

200+

equipment categories

48h

typical decision

$5M

max available

states served

New & used equipment

No down payment required

No hard pull to start

200+ categories

Free application

Get equipment financing options

Under 5 minutes. No obligation. No hard credit pull.

Business Equipment Financing — Common Questions & Industry Guide

What is business equipment financing?

Business equipment financing is a secured loan or lease that lets you acquire equipment without paying the full cost upfront. The equipment serves as collateral, making it easier to qualify and resulting in lower rates than unsecured business loans. lendfloCapital offers small business equipment financing from $10,000 to $5,000,000 — new or used, 200+ categories — with same-day decisions and 0% down available for qualified businesses. Equipment financing is one of the best business financing options because it preserves working capital while letting you grow immediately.

Equipment financing for new businesses and startups

Equipment financing for new businesses and startups is available even without years of business history. Approval focuses on the equipment value and personal credit (typically 600+). lendfloCapital matches startup businesses across construction, landscaping, food service, medical, and trucking to specialized equipment financing companies that understand new-business profiles — often funded within 48 hours. Reliable equipment financing for new businesses with 0% down is available for strong credit profiles.

Best equipment financing options for small businesses in 2026

The best equipment financing options for small businesses in 2026: equipment loans (own the asset from day one, build equity), equipment leases (lower monthly payments, easy upgrades), and SBA equipment loans (lowest rates for qualifying businesses). lendfloCapital compares offers from 75+ equipment financing companies — including heavy equipment financing companies, medical equipment financing companies, construction equipment financing companies, and agricultural equipment financing companies — to find your best rate and term same-day. Affordable equipment financing for business is available across all industries and credit profiles.

Equipment financing vs. business loan for purchasing equipment

Equipment financing is typically the better choice vs. a business loan for purchasing equipment. Because the equipment collateralizes the loan, lenders offer lower rates and higher approval odds. You also preserve existing business credit lines for working capital. Small business equipment financing terms typically run 24–84 months, and most strong files require no down payment. Businesses comparing equipment financing vs. business loans consistently find equipment financing delivers faster approvals, lower payments, and less impact on operating cash flow.

Construction equipment financing for small businesses and contractors

Construction equipment financing is available for excavators, bulldozers, dump trucks, cranes, skid steers, compactors, concrete mixers, trenchers, and all heavy construction equipment — new or used. lendfloCapital is one of the top construction equipment financing companies for small businesses and growing contractors, with same-day decisions, terms up to 84 months, and 0% down for qualified construction businesses. Construction equipment financing for startup contractors is also available through our specialized heavy equipment financing lender network.

Medical and dental equipment financing

Medical equipment financing covers MRI machines, CT scanners, X-ray systems, surgical equipment, dental chairs, orthodontic tools, physical therapy equipment, endoscopy equipment, and all healthcare equipment from $10K to $5M. lendfloCapital works with medical practices, dental offices, veterinary clinics, physical therapy centers, and healthcare startups. Medical equipment financing companies in our network offer deferred payment options and terms up to 84 months — keeping cash flow strong while you build your practice.

Restaurant and food business equipment financing

Restaurant equipment financing covers commercial ovens, refrigeration units, walk-in coolers, dishwashers, fryers, food trucks, espresso machines, POS systems, and full kitchen buildouts. lendfloCapital is among the top restaurant equipment financing companies for fair credit — working with new restaurants, food trucks, catering operations, and established food service businesses. Same-day restaurant equipment financing decisions from $10K with 0% down for strong files.

Landscaping, trucking, roofing & service business equipment financing

Landscaping businesses can finance commercial mowers, excavators, dump trailers, skid steers, and irrigation systems. Trucking companies can finance semi-trucks, flatbeds, tankers, and refrigerated trailers. Roofing companies can finance lifts, material hoists, and safety equipment. Cleaning businesses can finance industrial washers, pressure washers, and floor-care equipment. lendfloCapital matches service businesses to specialized equipment financing lenders with the fastest approvals in the industry.

Agricultural and farm equipment financing

Agricultural equipment financing covers tractors, combine harvesters, planting equipment, irrigation systems, grain bins, and livestock equipment. Farm equipment finance companies in lendfloCapital's network offer seasonal payment structures designed for agricultural cash flow cycles — lower payments during off-season, higher during harvest. Agricultural equipment financing from $10K to $5M with same-day decisions for farm businesses and co-ops.

Equipment financing with bad credit

Business equipment financing with bad credit is possible because the equipment serves as collateral. lendfloCapital works with credit scores as low as 550 through specialized equipment financing companies for bad credit. Business equipment financing bad credit approvals may require a slightly larger down payment, but options are available across industries. No credit check pre-qualification lets you explore options without impacting your credit score.

How to find the best equipment financing company near you

The best equipment financing companies offer same-day or next-day approvals, transparent rates, low or no down payment, no prepayment penalties, and a large lender network. lendfloCapital shops 75+ commercial equipment financing companies simultaneously — including top equipment financing companies for small businesses, startups, and challenged credit — and presents your best options free of charge, without multiple hard credit pulls. Equipment financing companies near you may only offer 1–2 lenders; lendfloCapital gives you 75+.

Equipment categories we finance: 200+ types, new or used

lendfloCapital finances 200+ equipment categories: commercial trucks & trailers, heavy construction equipment, medical & dental equipment, restaurant & kitchen equipment, manufacturing machinery, agricultural & farm equipment, HVAC systems, IT & computer hardware, landscaping equipment, salon & spa equipment, fitness equipment, golf simulators, printing equipment, audio-visual equipment, oil & gas equipment, forestry equipment, and more — new or used, nationwide. If your business needs it, we can finance it.

Important disclosure: lendfloCapital is a financing broker, not a direct lender. All financing is subject to eligibility, lender approval, verification, and final documentation. Funding timelines are estimates. This page is for informational purposes only and does not constitute a financing offer.

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