Soft-pull prequalification · No credit impact

Get equipment financing in 3 minutes

Loans, leases, and EFA structures for the equipment that runs your business. We underwrite direct. Decisions in 24-72 hours.

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No credit impact 22 equipment categories 24-72hr decisions $0 to apply
22
Equipment categories
717
Equipment types financed
50
States covered
150+
Expert financing guides
Soft-pull prequalification No impact on your credit score
$0 to apply No cost, no obligation
Secure application SSL-encrypted, your data protected
Compensation disclosed We show how we are paid
How it works

From application to funds in days, not weeks

We underwrite equipment financing direct. You see real terms before signing anything.

  1. 01
    Quick application

    Three minutes. Business details, equipment, credit estimate. No documents yet.

  2. 02
    Soft-pull underwriting

    We soft-pull your credit (no FICO impact) and underwrite your application against our program grid.

  3. 03
    Real offer

    We respond within 24-72 hours with rate, term, monthly payment, and structure.

  4. 04
    Sign and fund

    Review terms, sign documents. We wire funds to the seller. Take delivery.

Equipment we finance

From a single forklift to a $5M production line

22 categories. 717 equipment types. Real rate ranges, financing structures, and program-tier underwriting for each.

Trucking

49 equipment types

$25K-$2MRange
9%-18%APR

Restaurant

45 equipment types

$10K-$500KRange
9%-18%APR

Trailers

47 equipment types

$10K-$2MRange
8%-14%APR

Agricultural

54 equipment types

$10K-$1MRange
6%-12%APR

Manufacturing

69 equipment types

$50K-$5MRange
7%-13%APR

Construction

68 equipment types

$5K-$5MRange
7%-14%APR
Browse all 22 categories
Why operators choose us

Built different from the dealer-finance pitch

3-minute soft-pull

Skip the credit-application gauntlet. Soft pull only. No FICO impact. See real rate ranges before deciding to proceed with a hard pull.

Right-fit program match

We finance every credit tier and equipment type, from prime credit to credit-recovery, across 22 equipment categories. The right program closes faster.

Editorial transparency

150 hand-written guides, 104 glossary terms, real case studies with dollar amounts. We publish what we actually underwrite.

Free tools

Run the numbers before you sign

Calculator-driven approach. Model monthly payment, total cost, Section 179 impact, and lease-vs-buy scenarios before you submit anything.

Open Calculator
Loan
$1 Buyout
FMV Lease
EFA
Estimated monthly payment
$4,673
60 months · 9.0% APR · $225K financed
Industries

Built for the work you do

Every industry has its own underwriting quirks, seasonal patterns, and lender preferences. We know them.

Agricultural Asphalt & Paving Auto Shop Aviation Construction Dental Forestry HVAC Landscaping Manufacturing Marine Material Handling Medical Mining Oil & Gas Printing Recycling Restaurant Specialty Trailers Trucking Veterinary + 30 more industries →
Resources

Know before you sign

Plain-English overviews of how equipment financing actually works, from rate ranges by credit tier to structure comparisons and state-specific mechanics.

Guide Updated May 2026

How Equipment Financing Works

How Equipment Financing Works. Comprehensive guide covering the topic in depth, with worked examples, current data, and cross-references.

E
Ed Stapleton Jr.
Guide Updated May 2026

Equipment Lease vs Buy

Equipment Lease vs Buy. Comprehensive guide covering the topic in depth, with worked examples, current data, and cross-references.

E
Ed Stapleton Jr.
Guide Updated May 2026

Section 179 Equipment Financing

Section 179 Equipment Financing. Comprehensive guide covering the topic in depth, with worked examples, current data, and cross-references.

E
Ed Stapleton Jr.
Browse all 150 guides

Three minutes to a real rate.

Soft-pull prequalification, no credit impact, no obligation. Decisions in 24-72 hours.

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