Equipment Financing for Your Business
We connect businesses with equipment financing from $10,000 to $5,000,000. Fund trucks, machinery, medical equipment, technology and more through our network of capital sources.
Program Parameters
Equipment financing at a glance
Programs vary by capital source. Final terms disclosed at offer.
$10K to $5M
Financing Range
24 to 48 Hours
Approval Timeline
100%
Equipment as Collateral
2 to 7 Years
Repayment Terms
What is equipment financing?
Equipment financing lets businesses acquire the equipment they need without paying the full purchase cost upfront. Instead of tying up working capital in a single asset purchase, you spread the cost over a term that aligns with the equipment's productive life. The equipment itself serves as collateral, which simplifies underwriting and keeps rates competitive compared to unsecured business financing.
There are two main structures to understand. An equipment loan means you own the equipment outright once the loan closes. You build equity in the asset, claim full depreciation benefits and the equipment appears on your balance sheet. Monthly payments are typically higher than a lease but you retain ownership at the end of the term with no residual payment.
Equipment leasing works differently. You use the equipment in exchange for monthly payments over the lease term, with lower monthly costs than a loan. At the end of the term you can upgrade to newer equipment, purchase the asset at residual value or return it. Leasing is often the right solution for technology and medical equipment that becomes outdated quickly.
Equipment financing works across a wide range of asset types: trucks and commercial vehicles, heavy construction machinery, medical and dental equipment, restaurant equipment, manufacturing equipment, technology and servers, and agricultural equipment. For a full breakdown of the programs we offer, see our equipment financing programs page.
Buckle Up Capital is a broker, not a lender. We connect businesses with equipment financing through our network of capital sources. We do not lend directly. Our role is to match your equipment purchase to the right program, manage the application process and help you close faster than going to a single lender on your own.
Equipment types we finance
Our network of capital sources covers most commercial equipment categories. If you do not see your asset type below, contact us. We handle specialized and niche equipment requests regularly.
Commercial Vehicles and Trucks
Fleet financing, CDL vehicles, semi-trucks, box trucks and delivery vehicles. We work with capital sources that specialize in commercial transportation assets and understand residual values.
Construction Equipment
Excavators, cranes, loaders, bulldozers and paving equipment. Heavy iron depreciates on a known schedule, which makes it attractive collateral for our capital sources.
Medical and Dental Equipment
Imaging systems, dental chairs, surgical equipment, lab analyzers and diagnostic tools. Medical equipment financing programs often include soft costs like installation and training.
Restaurant Equipment
Commercial ovens, walk-in refrigeration, POS systems, ventilation hoods and prep equipment. Programs available for both new equipment purchases and used restaurant equipment from reputable dealers.
Manufacturing Machinery
CNC machines, laser cutters, press brakes, injection molds and assembly equipment. Manufacturing assets with long useful lives qualify for terms that match the equipment's productive lifespan.
Technology and IT
Servers, workstations, networking infrastructure and software bundled with hardware. Technology financing typically runs shorter terms of 24 to 48 months to align with refresh cycles.
Equipment loan vs equipment lease
Both structures provide access to the equipment your business needs. The right choice depends on how long you plan to use the asset, whether ownership matters and how the payment fits your cash flow.
Equipment Loan
You own the equipment
Equipment Lease
Lower payments, easy upgrades
If you are unsure which structure fits your situation, tell us what equipment you need and we will present both options with actual payment estimates from our capital sources. Most businesses benefit from seeing the side-by-side numbers before committing to either structure.
The equipment financing process
Tell us what equipment you need and the purchase price. It takes about five minutes online. No credit pull required at this stage.
We match your deal to capital sources in our network that fit your industry, equipment type and credit profile. Expect a term sheet in 24 to 48 hours.
The equipment is appraised and used as collateral. In most cases no additional collateral is required beyond the asset being financed.
Funds release directly to the vendor or dealer at closing. You take delivery, put the equipment to work and start generating revenue.
The application process for equipment financing is simpler than most business owners expect. Because the equipment itself serves as the collateral, underwriters spend less time on business financials and more time on the asset value and your ability to make the payment. For most deals under $150,000, the process is streamlined to a one-page application with minimal documentation.
Larger transactions above $150,000 typically require two years of business tax returns, a recent profit and loss statement and a balance sheet. Equipment over $500,000 may require an independent appraisal. Our team coordinates all of this on your behalf so you can focus on running your business.
Equipment financing rates and terms
Equipment financing rates start from 6.99% for businesses with strong credit profiles and established operating histories. Rates are generally lower than unsecured business financing because the equipment provides direct collateral that the capital source can recover in the event of default.
The rate you receive depends on your personal and business credit scores, the type of equipment, the loan amount and your time in business. New equipment from established manufacturers typically qualifies for better rates than used or specialty equipment, because residual value is more predictable.
Terms run from 24 to 84 months, depending on the equipment type and its expected useful life. A semi-truck with a 10-year working life supports a 72 or 84-month term. Technology equipment that will need replacement in three years is better suited to a 24 or 36-month term. Matching the loan term to the equipment life keeps your monthly costs reasonable without leaving you financing an asset that has already been replaced.
If your business needs short-term capital in addition to the equipment purchase, see our working capital financing solutions. Many businesses combine equipment financing with a working capital line to cover installation, training and ramp-up costs.
Rate Factors
What affects your rate
Rates are indicative and subject to market conditions. Final rate disclosed at term sheet.
Benefits of equipment financing vs paying cash
Paying cash for equipment is rarely the optimal business decision, even when the cash is available. Equipment financing preserves your working capital for payroll, inventory, marketing and other costs that directly drive revenue. An $80,000 piece of equipment paid in cash eliminates $80,000 of operational flexibility in one transaction.
Financing that same $80,000 over 60 months at a competitive rate might run $1,500 to $1,700 per month. If that equipment generates $8,000 to $12,000 per month in revenue, the financing cost is a small fraction of the return. This is the core business advantage of equipment financing: you deploy the asset immediately, it produces revenue immediately, and the payments come out of that revenue rather than out of your reserves.
Additional benefits include potential Section 179 deductions, which allow businesses to deduct the full cost of qualifying equipment in the year it is placed in service. Consult your accountant on the tax treatment of equipment financing versus leasing in your specific situation. We are a financing solution provider and do not provide tax advice.
Working with a broker like Buckle Up Capital also means you get access to multiple capital sources through a single application rather than spending weeks shopping lenders individually. We present you with the best offer from our network, not the only offer from a single lender.
Equipment financing questions
All financing facilitated by Buckle Up Capital is for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Financing is placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Other business financing solutions
Finance the equipment your business needs today.
Submit your equipment request and we will match it to our network of capital sources. No credit pull at intake. Term sheet in 24 to 48 hours.