Equipment Financing for Small Business
The machine that pays for itself shouldn't come out of your operating cash. Finance up to $250,000 in equipment, vehicles, or technology — and keep your working capital where it belongs: growing your business.
Own the equipment. Keep your cash.
Equipment financing lets you buy or lease the machinery, vehicles, technology, or tools your business needs to operate and grow — without draining the operating cash that keeps the lights on. The equipment itself typically serves as collateral, which means easier approval than many unsecured loan products and terms designed around the useful life of the asset.
Think about the math: a $120,000 delivery truck might generate $30,000 per month in new revenue. Paying for that truck in cash is a poor use of capital. Financing it for $2,500/month while it earns $30,000? That's leverage working in your favor.
Contractors buying a skid steer. Trucking companies adding to their fleet. Restaurants replacing a walk-in cooler. Medical practices upgrading diagnostic equipment. Manufacturers installing a new production line. If your business runs on equipment, ABC Funding can finance it up to $250,000.
$250K
Maximum available
Finance up to $250,000 in equipment, vehicles, or technology.
Collateral
Equipment-backed
The equipment itself secures the financing — no other collateral required for most.
12–60 mo
Flexible terms
Match your repayment term to the equipment's useful life and your revenue cycle.
24 hrs
Funding speed
We pay the vendor directly. You start using your equipment fast.
How equipment financing works at ABC Funding
From "I need this equipment" to "I'm using this equipment" — here's the complete path.
Tell us what you need
Share the type of equipment, approximate cost, and whether it's new or used. Then complete our short application — no stacks of documents required upfront.
Get approved
Your funding specialist matches you with the right lender from our private network. You receive a decision in minutes, not weeks — including your exact monthly payment and term.
Review and sign
Your offer shows exactly what you're paying and when. No surprise fees, no hidden balloon payments. Sign electronically when you're ready.
Fund your purchase
We pay the vendor or dealer directly. Your operating cash stays in your account. You take delivery of your equipment and put it to work immediately.
Equipment financing: ABC Funding vs. a bank
A side-by-side look at what you get when you skip the bank and go straight to ABC.
Terms are representative estimates. Your actual offer depends on equipment type, business revenue, and credit profile. No obligation to accept.
What types of equipment can you finance?
If it's used in your business to generate revenue, we can likely finance it. Here are the most common categories.
Construction & Heavy Machinery
Excavators, skid steers, backhoes, lifts, compactors — the machines that make you money on every job site, financed so your cash can do the same work elsewhere.
Commercial Vehicles & Trucks
Delivery vans, semi-trucks, refrigerated vehicles, work trucks, trailers — add capacity to your fleet without tying up six figures in capital.
Restaurant & Kitchen Equipment
Commercial ovens, refrigeration units, dishwashers, espresso machines, POS systems — replace aging equipment or fit out a new kitchen without emptying your reserves.
Medical & Dental Devices
X-ray machines, dental chairs, lasers, imaging systems, ultrasound equipment — upgrade your practice without the capital outlay that disrupts your cash flow.
Technology & Computers
Servers, point-of-sale systems, production workstations, fleet tracking hardware — stay current without absorbing large tech costs out of operating cash.
Manufacturing Equipment
CNC machines, laser cutters, injection molding equipment, conveyors, packaging lines — the assets that multiply your output without multiplying your risk.
Who qualifies for equipment financing?
Equipment financing typically has more flexible approval criteria than unsecured loans because the equipment itself secures the deal. Here's what we look for:
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6+ months in business
A minimum of six months of operating history demonstrates your business model works.
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$10,000+ average monthly revenue
Your revenue determines what equipment amount you can comfortably service. Higher revenue = larger amounts.
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Equipment must be for business use
The financed equipment must be used in your business operations — not for personal use.
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Active business bank account
We verify cash flow and make payments through your business checking account.
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US-based business
We fund businesses registered and operating in all 50 states.
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Flexible on credit
Because the equipment serves as collateral, credit requirements are often more flexible than for unsecured loans. Revenue and the equipment's value carry heavy weight.
Get a quote in 5 minutes
Tell us what you need to finance and our specialists will match you with the best equipment financing option from our private lender network — fast, free, and with no impact to your credit score.
Get my equipment financing quoteTakes 5 minutes · Won't affect your credit score
Why smart operators finance instead of buy outright
Preserve cash for what only cash can do
Cash can't be in two places at once. When you finance the equipment, you keep your operating cash available for payroll, inventory, marketing, or emergencies — the things equipment financing can't cover.
Let the equipment pay for itself
Revenue-generating equipment should fund its own acquisition. Finance a $80,000 truck that earns $15,000/month — your monthly payment is covered by the first few days of new revenue.
Fast, simple, and asset-secured
Because the equipment backs the deal, approvals are often easier and faster than unsecured loans. ABC Funding's private lender network delivers a decision in minutes and funds in 24 hours — not 60 days.
Equipment Financing FAQs
What types of equipment can I finance?
You can finance virtually any equipment used for business purposes — construction machinery, commercial vehicles, restaurant and kitchen equipment, medical and dental devices, computers and technology, manufacturing equipment, salon equipment, and more. If it's used in your business to generate revenue, it's likely eligible. Your funding specialist will confirm eligibility for your specific equipment.
Do I need a down payment?
Many equipment financing arrangements require little to no down payment — especially when the equipment itself serves as collateral and has strong resale value. In some cases a small down payment (10–20%) may be required depending on equipment age, type, and your business profile. Your specialist will walk you through your specific offer details.
How does equipment financing differ from a regular business loan?
With equipment financing, the equipment you're purchasing serves as collateral for the loan. This typically results in easier approval and potentially better terms than an unsecured working capital loan. The financing is tied directly to the specific asset — once paid off, the equipment is yours. Regular business loans are unsecured (no specific collateral) and can be used for any purpose.
Can I finance used equipment?
Yes, in many cases. Used equipment is eligible for financing through ABC Funding's lender network. Terms may vary based on the age, condition, and type of equipment. Older or highly specialized used equipment may have different approval criteria than new equipment. Your specialist will help identify the best path for your specific acquisition.
What happens at the end of the term?
At the end of your financing term, you own the equipment outright — no balloon payment, no buyout option, no surprise fees. Your regular payments have covered the full financing cost. The equipment is yours free and clear, with no further obligations to the lender.
Get the equipment that grows your revenue — without touching your cash.
Finance up to $250,000 in equipment. Fast decision, funded in as little as 24 hours. Apply free with no impact to your credit score.
No obligation · No cost · Won't affect your credit score
Estimate your funding in seconds
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