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Funding Program · Asset-backed

Equipment Financing.

Upgrade or expand the equipment your business runs on without draining cash flow. The asset itself secures the financing — which keeps approvals fast, terms flexible, and the door open even when credit is still finding its feet. Buy the tools, vehicles, and systems you need to run, grow, and outpace the competition.

4.9/5 TrustpilotAsset serves as collateral
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Asset-backed · Section 179 eligible
Use Cases

Best For

  • Restaurant kitchens, ovens, refrigeration & POS systems
  • Dental chairs, imaging machines & medical instruments
  • Skid steers, excavators, trucks & job-site machinery
  • Manufacturing lines, CNC machines & industrial tools
  • Server racks, computers & technology infrastructure
Requirements

Who Qualifies

  • 6+ months in business
  • $25,000+ in monthly revenue
  • 550+ credit score (flexible)
  • A vendor quote or invoice for the equipment

Equipment financing approvals lean on the asset, not just the borrower. Apply with a quote and we’ll move fast.

Key Features

Built around what you buy.

The equipment IS the collateral

Because the asset itself secures the financing, approvals stay quick and flexible — even when your credit history is still finding its feet.

Preserve your working capital

Keep your cash reserves free for payroll, inventory, and growth. Spread the cost of essential equipment over its useful life instead of paying upfront.

Potential tax advantages

Section 179 may allow you to write off the full purchase price of qualifying equipment the year you put it into service. Ask your accountant — most clients are pleasantly surprised.

Stay ahead of the curve

Upgrade aging machines, expand your fleet, or replace a critical tool the day it breaks. Don't let outdated equipment cap your output or your margins.

Funding in action

Equipment that pays for itself.

Recent equipment approvals across the industries we fund every day.

Approved
$45K
Restaurant

Replaced two ovens and a walk-in cooler before the dinner rush

Approved
$75K
Dental

Outfitted a second operatory with a new chair and 3D imaging

Approved
$120K
Construction

Bought a mini excavator and skid-steer ahead of a 3-month job

“Our walk-in cooler died on a Friday in July. By Monday morning we had a new one bought, financed, and on the install schedule — and the freezer never got warm. Try doing that with a bank loan.”
Diego Reyes
Tres Hermanos Carnicería · Food Retail

Compare funding programs side-by-side.

Working Capital / MCA
Funding amount
$5K – $500K
Approval time
Same-day – 24 hrs
Term length
3 – 18 mos
Credit score
550+
Collateral
Not required
Best for
Quick cash flow
Term Loans
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Collateral
Optional
Best for
Major investments
Line of Credit
Funding amount
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Collateral
Not required
Best for
Ongoing flexibility
You’re hereEquipment Financing
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Collateral
Equipment
Best for
Asset purchases
Invoice Financing
Funding amount
Up to 90%
Approval time
Same-day
Term length
30 – 90 days
Credit score
550+
Collateral
Invoices
Best for
Payment delays
SBA Loans
Funding amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
Collateral
Often required
Best for
Long-term growth

Not sure which option fits you?

Choosing the right funding program depends on your goals, timeline, and business stage.

Need funds immediately for an urgent expense?

Working capital (MCA)

Offers the fastest approvals and same-day funding for eligible applications.

Learn more

Want ongoing access without reapplying each time?

Business lines of credit

Provides flexible, reusable capital you can draw and repay as needed.

Learn more

Planning a major investment with predictable repayment?

Term loans

Delivers larger amounts with fixed rates and consistent monthly payments.

Learn more

Buying specific equipment for your business?

Equipment financing

Uses the asset itself as collateral for faster, easier approval.

Learn more

Seeking the lowest rates for long-term growth?

SBA loans

Features government-backed financing for established businesses ready to scale.

Learn more

Need help deciding?

Our Funding Specialists will review your situation and recommend the best solution for your business — at no cost and with no obligation.

Get funding started(888) 744-8119

From application to funding — simplified.

  1. Step 1

    See if you qualify

    Share a few business details — it takes less than a minute. No paperwork or hard credit pull; we'll start your funding review right away.

  2. Step 2

    Connect with a funding specialist

    A real human reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.

  3. Step 3

    Finalize your application

    Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.

  4. Step 4

    Sign & fund fast

    Review and e-sign final paperwork — most approvals fund within hours. Funds land directly in your business account.

A small business owner using LendPeak from her laptop, with a 5-star testimonial card overlay
Ready to grow?

Get matched with a funding specialist today.

Pre-qualify in 60 seconds — soft credit pull, no documents, no obligation.

See if you qualify