Flexible Equipment Financing & Leasing
Don't let equipment costs stall your growth. Get the tools you need today with competitive rates, flexible terms, and Section 179 tax benefits.
What is Equipment Financing?
Equipment financing is a loan or lease used to purchase business-critical equipment. The equipment itself serves as collateral for the loan, which often leads to lower interest rates and more flexible credit requirements than unsecured business loans.
Financing vs. Leasing
Financing (Loan)
- • You own the asset from day one
- • Interest is tax deductible
- • Best for long-term equipment
Leasing
- • Lower upfront costs
- • Easy upgrades to new tech
- • Lease payments are deductible
Qualifications
Time in Business
12+ MonthsStartups may be eligible with collateral or higher credit.
Credit Score
600+We look at the whole picture, not just a three-digit number.
Monthly Revenue
$10,000+Demonstrated ability to handle the monthly payment.
Invoice Amount
$5,000+Minimum equipment value for traditional financing.
Why Smart Owners Finance
Maximize your cash flow and minimize your tax burden with strategic equipment funding.
Section 179 Deduction
Deduct the full purchase price of qualifying equipment from your gross income. This can result in massive tax savings for your business.
Preserve Cash Flow
Keep your liquid capital for operational expenses and unexpected opportunities instead of tying it up in depreciating assets.
Fixed Monthly Payments
Avoid inflation with fixed-rate financing. Your monthly payment stays the same, making budgeting simple and predictable.
Equipment We Finance
And virtually any other revenue-generating equipment...
Frequently Asked Questions
Secure Your Equipment. Secure Your Future.
Our specialists are ready to help you shop your deal across 75+ lenders to find the absolute best terms.