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Equipment Financing

Finance the equipment
your business depends on.

From commercial trucks to medical imaging — finance up to $500K with same-day decisions, 0% down options, and terms up to 84 months. The equipment is the collateral. Serving TX, FL, GA, TN, NC, OH, PA, MI, IN & WI.

Compare: Term Loans
Heavy construction equipment financed by lendfloCapital
Same-Day Decisions0% Down Available

At a glance

Financing Range$10K – $500K
Terms Available12 – 84 months
Decision TimeSame day
Down PaymentAs low as 0%

Equipment serves as collateral — no additional security required in most cases.

Why finance equipment through lendfloCapital?

Access lenders who specialize in equipment — and get terms that match how you actually use it.

Preserve Your Working Capital

Finance up to 100% of the equipment cost — keep your cash available for payroll, inventory, and day-to-day operations.

Same-Day Decisions

Submit your application in minutes and get a credit decision the same business day. Funded in as little as 24–48 hours.

Flexible Loan & Lease Structures

Choose from finance leases, operating leases, or loan structures depending on your ownership goals and tax strategy.

Terms Up to 84 Months

Spread payments over up to 7 years to keep monthly obligations manageable and protect cash flow.

New & Used Equipment

Finance brand-new machinery or quality used equipment — both qualify with most lenders in our network.

Every Industry Welcome

Construction, food service, healthcare, transportation, manufacturing — our lender network covers virtually every sector and equipment type.

Finance the equipment that drives your business.

$10K–$500K. 0% down available. Same-day decisions. No hard pull to check.

Finance the equipment that drives your business forward.

Same-day decisions. Terms tailored to your cash flow.

$10K

Minimum loan

$500K

Maximum loan

Same day

Decision

Equipment we finance

Nearly any equipment used for business purposes qualifies. Here are some of the most common categories.

Trucks & Trailers
Construction Equipment
Technology & IT
Restaurant Equipment
Industrial Machinery
Medical Equipment
Agricultural Equipment
Retail Fixtures
Print & Signage
Office Furniture
Solar & Energy
Safety & Security

Don't see your equipment? We cover 200+ categories.

Talk to an advisor — we match you to the right lender same day. Free to apply.

Common questions about equipment financing

Everything you need to know before you apply — answered straight.

Do I need to own the equipment outright to use it as collateral?

No — with equipment financing, the equipment itself typically secures the loan or lease, so no additional collateral is required in most cases.

Can I finance used equipment?

Yes. Many lenders in our network will finance used equipment, though rates and terms may vary based on the equipment type, age, and condition.

What's the difference between a finance lease and an operating lease?

A finance lease is similar to ownership — you build equity and own the equipment at the end. An operating lease is more like renting; it can offer lower payments and off-balance-sheet treatment.

What documents do I need to apply?

For most applications under $150K: a completed application and 3–6 months of bank statements. Larger transactions may require full financials and a credit package.

Is there a minimum time in business requirement?

Generally 6–12 months in business for standard approvals. Newer businesses may qualify with a stronger personal credit profile or a co-signer.

How much can I finance?

Equipment financing through lendfloCapital is available from $5,000 up to $2,000,000 depending on the asset type, your business profile, and the lender. Larger transactions are handled on a case-by-case basis.

Can I finance equipment that hasn't been purchased yet?

Yes. You can finance equipment you're planning to purchase from a vendor or dealer. We work with new and existing purchase orders and quotes.

What types of equipment can be financed?

Almost any business-use asset: construction machinery, commercial vehicles, medical equipment, restaurant and food service equipment, manufacturing machinery, IT hardware, and more.

Is a down payment required?

Many programs are available with 0% down, particularly for newer equipment with strong resale value. Your advisor will outline options that minimize upfront cash outlay.

How long does it take to get approved and funded?

Decisions on transactions under $150K are often made the same day. Funding typically follows within 1–3 business days after documents are signed and the vendor is confirmed.

Can I add soft costs like installation or training to the financing?

In many cases, yes. Soft costs directly associated with putting the equipment into service — such as delivery, installation, and training — can often be bundled into the financing amount.

What happens at the end of a lease term?

Depending on your agreement, you may have the option to purchase the equipment at fair market or a fixed residual value, renew the lease, or return the asset. Your advisor will explain all end-of-term options upfront.

Ready to finance your equipment?

Same-day decisions on most applications under $150K. Funded in 24–48 hours after signing. A dedicated advisor handles everything from quote to funded.

Typical eligibility

6+ months in business
Equipment quote or invoice ready
All credit profiles considered
0% down options available
New and used equipment welcome

Still have questions?

Ready to finance your equipment?

Get a same-day decision on equipment financing from $10K to $500K. No obligation — just fast answers.

Compare: Term Loans

Business Equipment Financing — Everything You Need to Know

What Is Small Business Equipment Financing?

Small business equipment financing is a secured loan or lease that lets business owners acquire the equipment they need without depleting operating cash. The equipment itself serves as collateral, resulting in lower interest rates and higher approval odds than unsecured business loans. lendfloCapital connects small and mid-sized businesses across the US to the best equipment financing companies — from $10,000 for a single piece of equipment up to $5,000,000 for a full fleet or facility build-out.

Equipment Financing for New Businesses & Startups

Equipment financing for new businesses and startups is possible even without years of financials or business credit history. Approval focuses on the equipment value, the owner's personal credit (typically 600+), and the strength of the business idea. lendfloCapital works with startup businesses in construction, landscaping, food service, trucking, medical, and 200+ other industries. Many startup equipment financing applications are funded within 48 hours. Reliable equipment financing for new businesses is available with 0% down for qualified applicants.

Best Equipment Financing Options for Small Businesses in 2026

The best equipment financing options for small businesses in 2026 depend on your cash flow, tax strategy, and how long you'll use the equipment. Equipment loans give you full ownership from day one and build business equity. Equipment leases offer lower monthly payments and easy technology upgrades. SBA 7(a) equipment loans offer the lowest rates for qualifying businesses. lendfloCapital advisors compare all options across 75+ lenders — including heavy equipment financing companies, medical equipment financing companies, construction equipment financing companies, and agricultural equipment financing companies — to find your best structure and rate same-day.

Equipment Financing vs. Business Loan: Which Is Better for Purchasing Equipment?

Equipment financing is almost always better than an unsecured business loan for purchasing business equipment. Because the equipment collateralizes the loan, lenders offer lower rates, higher limits, and more flexible terms. Equipment financing also preserves your existing business lines of credit for working capital needs. Typical small business equipment financing terms run 24–84 months, with most strong files requiring no down payment. Businesses comparing equipment financing vs. business loans consistently find equipment financing delivers lower monthly payments and better approval odds.

Construction Equipment Financing for Small Businesses

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

Medical & Dental Equipment Financing

Medical equipment financing is available for MRI machines, CT scanners, X-ray systems, surgical equipment, dental chairs, orthodontic tools, physical therapy equipment, ultrasound machines, endoscopy equipment, and all healthcare equipment. 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, terms up to 84 months, and approvals from $10K to $5M.

Restaurant & Food Business Equipment Financing

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

Landscaping, Trucking & Service Business Equipment Financing

Landscaping businesses can finance commercial mowers, excavators, dump trailers, skid steers, irrigation systems, and tree care equipment. Trucking companies can finance semi-trucks, flatbeds, tankers, refrigerated trailers, and commercial vans. Roofing and cleaning businesses can finance lifts, pressure washers, scaffolding, and specialty tools. lendfloCapital matches landscaping, trucking, roofing, and service businesses to specialized equipment financing lenders with the fastest approvals and the best terms.

Agricultural Equipment Financing for Farm Businesses

Agricultural equipment financing covers tractors, combine harvesters, planting equipment, irrigation systems, grain bins, livestock equipment, and farm vehicles. Farm equipment finance companies in lendfloCapital's network offer seasonal payment structures designed for farm cash flow cycles — so you pay more during harvest season and less during off-season. Agricultural equipment financing is available from $10K to $5M with same-day decisions.

Equipment Financing with Bad Credit

Business equipment financing with bad credit is possible because the equipment serves as collateral, reducing lender risk significantly. lendfloCapital works with business owners with credit scores as low as 550 through our network of specialized equipment financing companies for bad credit. Equipment financing for businesses with challenged credit may require a slightly larger down payment or shorter term, but approval is achievable — especially for new or used equipment with strong resale value.

How to Choose the Best Equipment Financing Company

When comparing equipment financing companies, look for same-day or next-day approval speed, transparent rates (factor rate vs. APR), low or no down payment options, no prepayment penalties, and a large lender network. The top equipment financing companies for small businesses — including lendfloCapital — shop multiple lenders simultaneously so you get the most competitive offer without multiple hard credit pulls. lendfloCapital compares 75+ commercial equipment financing companies and presents your best options free of charge.

Equipment Financing Near Me — Serving TX, FL, GA, TN, NC, OH, PA, MI, IN & WI

Looking for equipment financing companies near you? lendfloCapital provides small business equipment financing across Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin — with nationwide coverage for most equipment categories. Whether you need equipment financing in Dallas, Houston, Miami, Atlanta, Nashville, Charlotte, Columbus, Philadelphia, Detroit, Indianapolis, or Milwaukee — our advisors match you to the right lender same-day. No office visit required: apply online in under 5 minutes.

How to Apply for Business Equipment Financing

Applying for small business equipment financing with lendfloCapital takes under 5 minutes. No hard credit pull to start. Decisions in as little as 24 hours. You'll need: a recent bank statement, equipment quote or invoice, and basic business information. Our advisors handle lender matching across 75+ equipment financing companies — you simply pick the best offer and sign. Affordable equipment financing options are available for businesses of all sizes, industries, and credit profiles.

How can we help?