Apply today for equipment financing
Generous terms
See what rates you qualify for.
Simple process
Our secure online application is quick and easy.
Fast funding
Get access to capital in just a few days.
What Equipment Financing Covers
Equipment financing lets you buy or lease the equipment your business needs while spreading the cost over time — and because the equipment itself serves as collateral, approval is easier and rates are often lower than unsecured funding. It works for almost anything with a serial number:
- Vehicles and trucks — from work vans to a full fleet
- Construction and heavy machinery
- Restaurant, kitchen, and refrigeration equipment
- Medical, dental, and lab equipment
- Manufacturing lines, CNC, and shop tools
- Computers, POS systems, and office technology
| Feature | Typical Range |
|---|---|
| Amount | Up to 100% of equipment value |
| Rate (APR) | 6% – 18% |
| Term | 2 – 7 years (matched to the equipment’s life) |
| Funding speed | 2 – 5 business days |
| Credit minimum | 580+ (the asset lowers the bar) |
Equipment Financing FAQ
Do I need a down payment?
Often no — many programs finance up to 100% of the equipment’s value because the equipment secures the loan. Stronger profiles get the best structures.
Can I finance used equipment?
Yes. Used and private-party equipment qualify, though terms may be a bit shorter and rates slightly higher than for new.
What if my credit isn’t great?
Because the asset is collateral, approvals reach down to ~580. With weaker credit, revenue-based financing is an alternative.
How fast can I get funded?
Typically 2–5 business days once the equipment quote and basic documents are in.
Will checking options affect my credit?
No — Fundmerica matches you with a soft credit pull, so there’s no FICO impact to see your offers.
BENEFITS
- Access up to $1 million
- Rates Starting as low as 4.9%
- Approvals within hours
MINIMUM QUALIFICATIONS
- 500+ FICO
- In Business 6+ Months
- $100,000+ Annual Revenue
How it Works
Apply
It takes about 15 minutes to provide us with your basic business and ownership information.
Receive Decision
Receive a decision within 24 hours. Review loan terms to determine if it makes sense for your business.
Funding
Sign documents electronically and receive funds directly to your business checking account.
Easy
Funding
Fundmerica can quickly and easily customize a small business loan that works for your business, so you can get on with the business of building your bottom line.
15 minute application
24 hour funding decisions
access funds in 2 days
loans up to $1 million
WHAT OUR CLIENTS SAY
FREQUENTLY ASK QUESTIONS
Our experienced staff will help you choose the best option for funding based on your needs and business profile. We’re here to help you every step of the way.
No, you can still qualify for business financing regardless of your personal credit history.
You can get a funding decision in as little as 24 hours! Just fill out our online application to get started.
Get Your Free Funding Quote
See what you qualify for in minutes — soft credit pull, no FICO impact. $10K–$500K, funded in 24–48 hours from 75+ sources.
- Soft pull only
- $10K–$500K
- 24–48 hr funding
- No obligation
Prefer to talk? Call (888) 490-3126 — no obligation.