Fund the equipment — keep the cash for operations.
Capital for the machinery, vehicles, or fit-out that keep you growing, structured so working capital stays free for the day-to-day. Finance the asset, preserve the runway.
Equipment & working capital at a glance
- Finance machinery, vehicles, and build-out
- Terms matched to the equipment's useful life
- Fast approvals on a clean file
- Preserve working capital for operations
- SBA 7(a) option for larger or combined needs
Ideal for: growing businesses acquiring equipment, vehicles, or fit-out, and operators who need working capital without tying up cash in a single purchase.
Finance the asset, protect the runway
Paying cash for a $200K piece of equipment solves one problem and creates another — it drains the working capital that covers payroll, inventory, and the slow month you didn't see coming. Equipment financing spreads the cost over the asset's useful life so the machine pays for itself out of the revenue it generates.
Terms are matched to what you're buying: a longer schedule for heavy machinery that runs for a decade, a shorter one for vehicles or technology that turns over faster. The equipment itself typically secures the loan, which keeps approvals fast and preserves your other credit lines for opportunities.
When to fold it into an SBA loan
For a standalone equipment purchase, dedicated equipment financing is usually the fastest, cleanest route. But when equipment is part of a larger need — buying a building, acquiring a business, or combining gear with working capital — an SBA 7(a) can bundle it all into one loan with a single payment and a longer term.
Working capital is the other half of the story. Whether it's funding a growth push, smoothing seasonality, or covering the gap between landing a contract and getting paid, we structure operating capital so it does its job without putting the business under strain. We'll point you to the cheapest structure for what you actually need.
Equipment & working capital questions, answered.
What kinds of equipment can be financed?
Machinery, manufacturing and restaurant equipment, commercial vehicles, technology, and fit-out or build-out. If it's a long-life asset your business uses to generate revenue, it can generally be financed.
How is equipment financing structured?
Usually as a term loan or lease secured by the equipment itself, with the term matched to the asset's useful life. Because the equipment is collateral, approvals are often faster and lighter on documentation than unsecured credit.
Can I get working capital separately from an equipment loan?
Yes. Working capital can be funded on its own or, for larger combined needs, bundled with equipment and other uses inside an SBA 7(a) loan with a single payment. We'll structure it to the cheapest path.
Are there tax advantages to financing equipment?
Often — Section 179 and bonus depreciation can let you deduct a significant portion of equipment cost in the year you place it in service, even when financed. Confirm specifics with your accountant; we'll structure the financing to support it.
Need equipment or capital? Let's talk.
Tell us what you're buying and we'll come back with real terms — no cost, no obligation, no credit pull to start.