Finance the equipment your business needs — even with imperfect credit.
A lump sum for equipment, vehicles, or expansion, repaid in fixed, predictable payments — so the investment starts working while your cash stays in the business.
Invest without draining your cash.
Equipment and term funding gives your business a lump sum for a specific investment — a machine, a vehicle, a build-out, a large one-time cost — repaid over a set term in fixed payments. You know exactly what you owe and when, which makes budgeting straightforward.
With equipment purchases, the equipment itself often serves as collateral. That works in your favor: it makes approval easier for owners with imperfect credit, because the provider is underwriting the asset as well as the business.
Best for
- New or used equipment
- Vehicles
- Build-outs & expansion
- Large one-time costs
At a glance
Funded in three steps.
No stacks of paperwork. No waiting weeks for a committee. Just a straight answer, fast.
Apply in about 2 minutes
Tell us a few basics about your business and revenue. Applying won't impact your credit.
Get matched
We review your whole business — not just a credit score — and match you with the funding option you qualify for, even after a bank decline.
Get funded
Approve the terms and receive funds in as little as 24–48 hours.
Do you qualify?
The bar is simpler than a bank's. If you clear these, it's worth applying — it's free, takes about 2 minutes, and won't touch your credit.
6+ months in business
Your business has been operating for at least six months. Years of history aren't required.
$10k+ in monthly revenue
Steady deposits matter more than a score. Around $10,000 a month is the floor.
All credit considered
Past credit issues or a recent bank decline don't rule you out. Approval is revenue-driven.
U.S.-based business
Funding providers currently work with businesses operating in the United States.
Cost at a glance
Fixed payments you can plan around.
Term funding is priced as a payment schedule: one amount, on a set cadence, until a known end date. Because the structure is predictable — and equipment often secures the deal — pricing generally runs lower than unsecured fast-cash options, though still above a bank loan.
The math that matters: compare the total payback against what the equipment earns or saves over its life. A machine that adds capacity, a truck that adds routes, an oven that adds covers — if the asset out-earns its financing, the cost did its job.
Terms depend on your revenue, the asset, and the provider. Everything is in writing before you commit, and applying costs nothing.
Equipment financing, answered.
Can I get equipment financing with bad credit?
Often, yes. Because the equipment can serve as collateral, providers can approve credit profiles a bank would decline. Your revenue and the asset itself both work in your favor.
Can I finance used equipment?
Usually, yes. Many providers fund both new and used equipment — the age, condition, and resale value of the asset factor into the terms you're offered.
How fast can equipment financing close?
Faster than you'd expect: a short application, a fast decision, and funding commonly within days once the invoice or purchase details are in hand.
Do I need a down payment?
It varies. Some providers fund the full purchase; others ask for a percentage down, especially on used equipment or newer businesses. You'll know before you sign.
Should I lease or finance equipment?
Financing builds toward ownership with fixed payments; leasing can lower monthly cost but you may not own the asset at the end. If you plan to run the equipment for years, financing usually wins — we can walk through both outcomes with you.
My business is young — can I still qualify?
The floor is 6+ months in business with about $10k+ in monthly revenue. If you clear that, it's worth applying — the asset strengthens your case.
Explore other options: Working Capital · Business Line of Credit · Revenue-Based Funding
Put the equipment to work first.
Apply in about 2 minutes. No cost, no obligation, no impact to your credit — and a clear payment plan before you commit to anything.
Get Funded