Equipment Financing
Finance the Tools Your Business Needs to Grow
From $10K to $5M for machinery, vehicles, technology, and more — with the equipment itself as collateral and 100% financing available.
Ready to Get Started?
Apply now to get pre-qualified. Soft credit check only — no impact to your score. Instant pre-approval to share.
Rates, terms, fees, and funding timelines vary by lender, applicant eligibility, and program requirements.
Equipment financing is specifically designed to help businesses acquire the equipment they need without depleting cash reserves. The equipment you're purchasing serves as collateral for the loan, which typically results in better rates and terms than unsecured financing. This structure means that even businesses with less-than-perfect credit can often qualify, because the lender's risk is mitigated by the asset itself.
This type of financing can cover virtually any business equipment: manufacturing equipment and machinery, commercial vehicles and trucks, restaurant and kitchen equipment, medical and dental equipment, construction equipment, technology and computers, fitness and gym equipment, agricultural equipment, and more. If it's a tangible asset that helps your business generate revenue, there's likely a lender who will finance it.
Equipment financing typically offers 100% financing, meaning no down payment is required in many cases. Tax benefits are a major advantage — Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment in the year it's purchased, rather than depreciating it over several years. This can create significant tax savings, effectively reducing the net cost of the equipment.
Another often-overlooked advantage is that equipment financing builds business credit separately from your personal credit. Because the equipment serves as collateral, lenders report the payment history to business credit bureaus, helping you establish a strong business credit profile that unlocks better financing terms in the future.
A Simple, Fast Process
Identify Your Equipment
Know what you need to purchase — make, model, and cost. We match you with lenders who finance that specific equipment type.
Get Pre-Qualified
A soft credit check determines your eligibility. Equipment lenders focus on the asset value, so credit requirements are often more flexible.
Compare Financing Offers
Review rate, term, and payment offers from multiple equipment lenders. Some offer 100% financing; others require a down payment.
Purchase & Deploy
The lender pays the equipment vendor directly. You take delivery and begin using the equipment while making monthly payments.
How Businesses Use This Financing
Manufacturing Machinery
Upgrade production lines with CNC machines, presses, or assembly equipment that increases output and efficiency.
Commercial Fleet Vehicles
Finance trucks, vans, or delivery vehicles for your growing logistics or service business.
Restaurant Kitchen Equipment
Outfit a new restaurant or upgrade an existing kitchen with ovens, refrigerators, and prep stations.
Medical & Dental Equipment
Finance diagnostic imaging, dental chairs, or surgical equipment for a medical or dental practice.
Construction Equipment
Acquire excavators, loaders, cranes, or specialized tools for construction and contracting businesses.
- 100% financing available — no down payment in many cases
- Equipment itself serves as collateral — easier approval
- Preserve working capital for operations and growth
- Section 179 tax deduction — deduct full purchase price in year one
- Fixed monthly payments for easy budgeting
- Terms matched to the expected lifespan of the equipment
- Builds business credit separately from personal credit
- Flexible credit requirements — scores from 450+ accepted
- ◆Personal credit score 450+ (varies by lender)
- ◆Equipment details and vendor invoice
- ◆Business financials (some lenders)
- ◆Time in business varies by lender — some accept startups
- ◆Equipment serves as its own collateral
- ◆Down payment may be required for lower credit scores
- ◆Equipment must be for business use
The Bakery That Almost Couldn't Fulfill Holiday Orders
How 72-hour equipment financing saved a seasonal revenue surge
A family-owned bakery in Chicago had landed a contract to supply pastries to a regional grocery chain for the holiday season. The problem: their existing ovens couldn't handle the volume, and they needed a $45,000 commercial convection oven installed within two weeks to meet the first delivery deadline. Their bank told them the equipment loan would take 4–6 weeks to process — well past the deadline.
The owner came to Let's Syndicate in a panic. We matched her with an equipment financing lender that specialized in food service equipment and offered same-day approval for established businesses. Within 72 hours, the financing was approved, the vendor was paid, and the oven was on a delivery truck. The bakery met its first delivery deadline and fulfilled the entire holiday contract — generating $180,000 in revenue from a $45,000 equipment investment.
The loan was structured at 9.5% over 5 years with the oven as collateral. The owner also took advantage of Section 179, deducting the full $45,000 purchase price on that year's tax return — effectively reducing the net cost of the equipment by thousands in tax savings.
Result: $45K funded in 72 hours. 9.5% rate, 5-year term. $180K in new revenue generated. Section 179 tax deduction applied.
Speed Matters When Equipment Means Revenue
Equipment financing is often time-sensitive. A delayed oven means missed holiday orders. A delayed truck means lost delivery contracts. A delayed machine means a competitor takes your production capacity. Traditional banks take 4–6 weeks to process equipment loans — and by then, the opportunity may be gone.
Let's Syndicate connects you with equipment lenders who can approve and fund in 24–72 hours. Our network includes lenders who specialize by equipment type — food service, medical, construction, transportation — so your application lands with someone who understands the asset and can make a fast, informed decision.
- Lenders who fund equipment in 24–72 hours, not 4–6 weeks
- Specialized lenders by equipment type — faster, better-informed decisions
- 100% financing options to preserve your working capital
- Section 179 tax benefits identified and explained upfront
Common Questions About Equipment Financing
Yes. Most equipment lenders finance both new and used equipment. The age and condition of the equipment may affect the terms — older equipment may have shorter terms or slightly higher rates. Let's Syndicate matches you with lenders who finance the specific equipment you need.
Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment in the year it's purchased, rather than depreciating it over several years. This can significantly reduce your tax liability. Consult your tax advisor for eligibility and limits.
Many lenders offer 100% financing with no down payment, especially for borrowers with good credit. For lower credit scores or higher-risk equipment, a down payment of 10–20% may be required. We help you find lenders who offer 100% financing when possible.
Equipment financing has some of the most flexible credit requirements in business lending — scores from 450+ are accepted by certain lenders. Because the equipment serves as collateral, lenders are more willing to work with lower credit scores than they would for unsecured loans.
Yes. Some equipment lenders work with startups and new businesses, especially when the equipment is essential to generating revenue. A personal guarantee and a down payment may be required for very new businesses.
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Let's Syndicate is a business funding marketplace. All credit decisions, rates, terms and outcomes are determined by participating lenders, investors or third-party providers.