HomeSolutionsAboutContact Get Funded →
Asset-Backed Capital

Equipment
Financing

Finance the equipment your business needs without draining cash reserves. The asset itself serves as collateral — preserving your working capital.

Working Capital Term Loans SBA Loans Equipment Financing Lines of Credit Revenue-Based Personal Loans Startup Loans 200+ Lenders All 50 States Working Capital Term Loans SBA Loans Equipment Financing Lines of Credit Revenue-Based Personal Loans Startup Loans 200+ Lenders All 50 States
Overview

Equipment Financing

Equipment financing lets businesses acquire the physical assets they need — machinery, vehicles, technology, medical equipment, restaurant build-outs, commercial HVAC, construction equipment — without tying up working capital. The equipment itself secures the loan, making approval more accessible even for businesses with limited credit history. Finance Foundry works with specialized equipment lenders who understand asset values across every industry.

Funding Amount
$50K – $50M+
Term Length
24–84 Months
Decision Speed
3–7 Business Days
Min. Credit
580+ FICO

Common Use Cases

Construction & Heavy EquipmentExcavators, cranes, bulldozers, loaders
Medical & Dental EquipmentImaging, chairs, lab equipment, surgical tools
Restaurant & Commercial KitchenOvens, refrigeration, prep equipment
Transportation & FleetTrucks, vans, trailers, specialty vehicles
ManufacturingCNC machines, presses, assembly systems
Technology & ITServers, software systems, AV equipment

Requirements

  • Equipment must be for business use
  • Minimum 6 months in business
  • $10,000+ monthly revenue
  • 580+ FICO credit score
  • Equipment invoice or spec sheet
  • New or used equipment — most types qualify

Frequently Asked Questions

Do I own the equipment or lease it?

Finance Foundry places both equipment loans (you own from day one) and equipment leases (option to buy at end). We'll structure whichever serves your tax and cash flow situation better.

Can I finance used equipment?

Yes. Most lenders will finance equipment up to 10 years old (some up to 15), provided it's in good working condition and has verifiable value.

What if the equipment is specialized or unusual?

Specialized equipment typically works well for financing because it has high asset value and limited supply. We work with niche equipment lenders for unusual assets — contact us to discuss.

Get Your Options

No commitment · No hard credit pull

🔒 Secure · Never sold · Soft pull only