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Buyer Type
C-Corporation
Equipment financing for C-Corps. Tax treatment, no personal guarantee in larger transactions, common documentation.
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Buyer Type
Established Business (5+ Years)
Equipment financing for established businesses with 5+ years operating history. Better rates, longer terms, larger ticket sizes.
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Buyer Type
Family-Owned Business
Equipment financing for family businesses. Succession planning interplay, multi-generation owner considerations.
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Buyer Type
Farmer / Agricultural Producer
Equipment financing for farmers and agricultural producers. Farm Credit System, USDA programs, equipment financing for crops and livestock.
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Buyer Type
First-Time Equipment Buyer
Equipment financing for first-time buyers. What to expect, common pitfalls, and lender programs that work for first-timers.
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Buyer Type
Fleet Operator (10+ Trucks)
Equipment financing for fleet operators with 10+ commercial vehicles. Volume pricing, master lease structures, fleet-program lenders.
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Buyer Type
Food Truck Operator
Equipment financing for food truck operators. Mobile commercial kitchen financing, startup vs established programs.
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Buyer Type
Franchise Operator
Equipment financing for franchisees. Franchisor-approved equipment programs, captive franchise lenders.
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Buyer Type
General Contractor
Equipment financing for general contractors. Bid-bond interplay, surety considerations, equipment-heavy projects.
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Buyer Type
Lease-Purchase Operator (Trucking)
Equipment financing for drivers transitioning from company truck to owner-operator via lease-purchase programs.
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Buyer Type
LLC
Equipment financing for LLCs. Personal guarantee implications, member-managed vs manager-managed, common documentation.
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Buyer Type
Manufacturing Shop Owner
Equipment financing for manufacturing shop owners. CNC, press brakes, lasers, expansion vs replacement.
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Buyer Type
Medical Practice Owner
Equipment financing for medical practice owners. Practice acquisition vs equipment, healthcare-specialty lenders.
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Buyer Type
Minority-Owned Business
Equipment financing for minority-owned businesses. MBE certification, CDFI lenders, SBA Express programs.
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Buyer Type
Non-Profit Organization
Equipment financing for 501(c)(3) and other non-profits. Tax-exempt financing structures, special lender programs.
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Buyer Type
Owner-Operator
Equipment financing for owner-operators in trucking and similar industries. Single-truck operators under their own authority.
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Buyer Type
Partnership
Equipment financing for general and limited partnerships. Partner-level personal guarantees, partnership tax flow-through.
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Buyer Type
Restaurant Owner
Equipment financing for restaurant owners. Commercial kitchen equipment, refrigeration, POS, build-out financing.
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Buyer Type
S-Corporation
Equipment financing for S-Corps. Tax treatment, owner compensation considerations, common documentation.
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Buyer Type
Self-Employed / Sole Proprietor
Equipment financing for self-employed buyers operating as sole proprietors. Personal-guarantee dynamics, documentation requirements.
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Buyer Type
Small Business (SBA-Eligible)
Equipment financing for SBA-eligible small businesses. SBA 7(a), 504, and Express programs for equipment.
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Buyer Type
Sole Proprietor
Equipment financing for sole proprietors. Personal/business credit blending, documentation expectations.
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Buyer Type
Startup Business (Under 2 Years)
Equipment financing for startup businesses with fewer than 24 months in operation. Lender mix, alternate documentation, typical approval profile.
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Buyer Type
Veteran-Owned Business
Equipment financing for veteran-owned businesses. SBA programs, VA-affiliated lenders, certification pathways.
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Buyer Type
Women-Owned Business
Equipment financing for women-owned businesses. WBE certification, women-focused CDFI lenders, SBA WOSB programs.
For Buyer Type
Financing by Buyer Type
Equipment financing for owner-operators, first-time buyers, startups, established businesses, and more. Each page covers the requirements, rates, and structures that fit that buyer.
No credit impact
22 equipment categories
24-72hr decisions
$0 to apply
25
Buyer types covered
Updated and maintained editorially
100%
Editor reviewed
Every page reviewed by Ed
May 2026
Last reviewed
Reviewed and refreshed
Three minutes to a real rate.
Soft-pull prequalification, no credit impact, no obligation. Decisions in 24-72 hours.
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