Financing program
Finance new or used equipment from $10K to $5M — most decisions in 24–48 hours, so you keep your bank lines open for everything else.
Equipment financing is an asset-backed loan or lease that lets you buy business equipment while preserving cash. Most programs finance new or used equipment, and decisions are often faster than bank term loans because the equipment is collateral.
Equipment is essential for running and growing a business. Whether you operate in construction, transportation, manufacturing, medical, or another industry, having the right equipment allows you to complete projects efficiently, serve more customers, and stay competitive in your market.
However, purchasing equipment outright can require a significant amount of capital. A single excavator can cost $80,000 or more; a semi-truck might run $150,000; medical imaging systems can exceed $300,000. For most businesses, tying up that much cash upfront is not realistic -and it can strain cash flow needed for payroll, inventory, and day-to-day operations.
Equipment financing addresses this by letting you spread the cost over monthly payments instead of one large outlay. Businesses can obtain the machinery they need, take advantage of potential tax benefits, and avoid depleting reserves. Axiant Partners connects companies in all 50 states with lenders that offer both new and used equipment financing -often with streamlined applications and options for varied credit profiles.
Our equipment financing solutions can be used for a wide variety of industries and equipment types. From heavy machinery to commercial vehicles, medical devices to restaurant kitchen equipment -we connect you with lenders who understand your industry and can structure financing that fits your needs.
Excavators, bulldozers, skid steers, loaders, backhoes, cranes, forklifts, and more. See used bulldozer financing for construction equipment. Construction companies use equipment financing to expand fleets, replace aging machinery, and take on larger projects.
Semi trucks, dump trucks, box trucks, trailers, delivery vans, and refrigerated trucks. Trucking and logistics businesses rely on financing to add or upgrade vehicles without draining reserves.
CNC machines, industrial machinery, packaging equipment, fabrication equipment, conveyors, and production lines. Manufacturers use equipment financing to increase capacity and modernize operations.
Imaging equipment, dental chairs and tools, laboratory equipment, and surgical devices. Medical practices finance equipment to improve patient care and expand services.
Commercial kitchens, refrigeration, POS systems, prep equipment, and more. See walk-in cooler and freezer financing for refrigeration. Restaurants and food service businesses finance equipment to open new locations or upgrade existing ones.
Servers, IT infrastructure, office equipment, and specialized technology. Businesses of all types finance technology to support growth and productivity.
Equipment financing amounts vary by industry, equipment type, and business profile. Here are representative ranges we see across the U.S.:
| Industry | Typical amount | What it funds |
|---|---|---|
| Construction contractors | $80,000 to $500,000+ | excavators, loaders, skid steers. See construction & heavy equipment financing |
| Trucking companies | $75,000 to $250,000+ | per semi-truck, box truck, or trailer |
| Medical and dental practices | $30,000 to $300,000+ | imaging systems, exam equipment. See medical & dental equipment financing |
| Restaurants | $25,000 to $150,000 | commercial kitchens, refrigeration. See restaurant & commercial kitchen equipment financing |
| Manufacturing | $50,000 to $1,000,000+ | CNC machines, conveyors, and production equipment |
| Auto repair shops | $15,000 to $100,000 | lifts, diagnostic equipment, and tire changers |
| Agriculture | $40,000 to $500,000+ | tractors, combines, and grain equipment |
Your actual amount depends on revenue, credit, equipment value, and lender. Use our financing calculator to estimate monthly payments.
Equipment financing offers several advantages over paying cash or using other funding sources. Here's why businesses nationwide choose it:
Spread the cost over monthly payments instead of one lump sum. That leaves funds free for payroll, inventory, unexpected expenses, and new opportunities.
Many lenders render decisions in 24-48 hours. Time-sensitive projects or fleet expansions don’t require lengthy waits -you can get equipment in hand and operational sooner.
Section 179 deductions and depreciation may apply to purchases; lease payments often qualify as deductible operating expenses. Your tax professional can outline what applies to your situation.
Whether you’re a newer company or a long-standing business, loan and lease options can be matched to your cash flow and ownership goals.
We connect you with lenders who offer several equipment financing structures. The right choice depends on your goals, cash flow, and whether you want to own the equipment at the end of the term.
With an equipment loan, you receive financing to purchase equipment and repay the loan over time. You own the equipment from day one (or upon delivery). Fixed monthly payments, potential depreciation benefits, and no balloon payments at the end. Best when you plan to keep the equipment for its full useful life.
Leasing allows you to use equipment while making fixed monthly payments. You don't own the equipment during the lease -the lender does. At the end of the term, you typically have options:
Each option provides different advantages depending on whether you plan to own the equipment, upgrade frequently, or prefer lower payments today.
Transact quickly when time matters. Many lenders fund up to $250,000 with same-day or next-day decisions -some programs skip full financials for streamlined approvals. Suited for urgent purchases: fleet adds, project deadlines, or emergency replacements.
For scaling operations, lenders offer financing up to $500,000 with terms as long as 84 months. Decisions usually in 3-5 business days. Designed for established companies adding capacity, modernizing machinery, or buying multiple pieces.
Deals above $500,000 -manufacturing lines, large fleets, medical imaging, or heavy construction gear -are structured with terms to 84 months. Review typically completes in 3-5 days. Built for significant capital investments.
Lenders exist for companies under two years in operation. Solid personal credit and realistic revenue forecasts improve odds. We partner with financiers who focus on newer businesses, so you can obtain necessary equipment without exhausting reserves.
B, C, or D credit tiers? We work with lenders who structure deals for businesses rebuilding their profile. Rates and down payments may reflect risk, but qualified borrowers can still secure the machinery needed to operate and expand.
Requirements vary by lender and program, but many businesses may qualify if they have:
Some programs accept newer businesses; others require 1-2 years or more.
Demonstrates ability to make payments. Higher revenue often unlocks larger amounts and better terms.
Many programs work with 550+ FICO. Strong credit (700+) typically secures better rates.
Financing programs are available for both strong and challenged credit situations. Startups may qualify with strong personal credit and a clear business plan. The equipment itself often serves as collateral, which can make approval easier than unsecured financing. See equipment financing requirements, credit score requirements, equipment financing with bad credit, no money down, down payment requirements, and equipment financing vs SBA loan for more detail.
Axiant Partners connects you with lenders and walks you through the process from start to finish. Most lenders respond within 24-48 hours.
01
Tell us about your business, the equipment you’re considering, and what structure you prefer (loan vs lease). A single application goes to multiple lender partners.
02
We’ll ask for equipment quotes or invoices, bank statements, and other basics -only what lenders require to evaluate your request.
03
We match your profile to suitable lenders and present offers. Decisions often arrive within 24-48 hours. Compare terms and select the option that fits best.
04
After approval, funds flow to the vendor or seller. You take delivery and deploy your equipment. The process is designed to move quickly so you can get to work.
Excavators, loaders, skid steers, dozers, cranes, and similar machinery are core to completing projects on schedule. Fleet expansion, machinery replacement, or upgrades to newer models -construction equipment financing lets you obtain the assets you need while spreading cost over time instead of a single large outlay.
Typical amounts range from $50,000 for smaller pieces to $500,000+ for multiple units or high-value equipment. Terms often extend to 60-84 months. Construction business financing — How to finance an excavator — Apply now.
Reliable trucks and trailers are essential for moving freight and serving clients. Semi-trucks, box trucks, dump trucks, trailers, and delivery vans are all financeable. Whether you need one vehicle or a full fleet, programs exist for owner-operators and larger carriers.
Financing for a single semi-truck might run $75,000 to $150,000 or more; trailers and box trucks typically less. Trucking business financing — How to finance a semi-truck — Apply now.
We work with businesses across many industries, including:
Our goal is to provide financing solutions that support business growth -regardless of industry.
Explore related financing: Corporate & Asset Finance (the full category) · SBA Loans (government-backed, 10-25 yr terms) · Working Capital Loans (payroll, inventory, ops) · All services. Right Manufacturing Systems customers can apply through our dedicated portal.
We focus on connecting you with the right lender and moving your application forward efficiently.
We understand lender requirements and keep the process moving. Minimal back-and-forth.
Loans, leases, or both -we help identify the structure that fits your goals.
Construction, trucking, medical, manufacturing, and other industries. We match you with lenders experienced in your field.
We serve businesses anywhere in the U.S., regardless of location.
One application, multiple options, and support at each stage. Our goal is to help you secure the financing your business needs to grow.
Estimates only, for planning purposes — not a quote, offer, or guarantee of terms. Your actual rate and payment depend on your business profile and the lender.
Amounts typically run from $10,000 to $5,000,000, depending on equipment type, business size, and lender. Heavy machinery and manufacturing assets often support larger deals; smaller items like restaurant or office equipment may start around $10,000. Expedited programs can fund up to $250K with rapid decisions; growth-stage and major-asset deals often reach $500K+ with terms to 84 months. We connect you with lenders whose programs align with your situation.
With an equipment loan, you borrow to buy equipment and own it from day one. You make fixed monthly payments and typically get depreciation benefits. With equipment leasing, the lender owns the equipment and you make payments to use it. At lease end you can buy it ($1 buyout or 10% purchase option) or return it (fair market value lease). Leasing can offer lower monthly payments and flexibility to upgrade; loans are better when you plan to keep the equipment long-term.
Yes. Financiers serve companies under two years in operation. Criteria tend to be tighter -solid personal credit (680+), credible revenue forecasts, and occasionally larger down payments improve odds. We partner with lenders who focus on new-business equipment financing so you can obtain needed assets without exhausting reserves. Apply to see your options.
Yes. Many lenders provide financing for both new and used equipment. Used equipment may have shorter terms (often 36-60 months vs up to 84 for new) and different rates based on age, condition, and resale value. Equipment from reputable dealers is typically easier to finance. See can you finance used equipment for details.
Many lenders issue decisions within 24-48 hours once documents are in. Expedited programs (up to $250K) frequently decide same-day or next-day with streamlined documentation. Bigger deals or more involved situations may take 3-5 business days. Asset-backed equipment financing typically moves faster than SBA or conventional bank loans.
Requirements vary by program. Many programs accept 550+ FICO. Strong credit (700+) typically unlocks better rates and terms. Lenders exist for B, C, or D credit -terms may include higher rates or larger down payments, but you can still access the equipment you need. See equipment financing with bad credit for a full guide. Apply to see what you qualify for.
Get Equipment Financing TodayExplore our most popular articles on equipment financing.
Excavators, bulldozers, loaders. Rates, terms, qualification for contractors.
Read →X-ray, imaging, dental chairs. Rates and qualification for practices.
Read →Ovens, refrigeration, grills. New restaurants and expansions.
Read →Credit, revenue, time in business, documentation, and qualification checklist.
Read →Who qualifies for zero-down equipment financing and how to improve approval odds.
Read →Credit tiers, lender types, down payment strategies, and how to get approved with 500-600+ FICO.
Read →Compare speed, rates, credit requirements, and when to use each for machinery and equipment.
Read →See typical credit score ranges, what lenders evaluate beyond score, and practical ways to improve approval terms.
Read →Learn how TRAC leases work and the tax and cash flow advantages they offer for equipment financing.
Read →Compare leasing and loans for equipment to find the right structure for your business and cash flow.
Read →Typical approval timelines and how to speed up your equipment financing application.
Read →If your business needs equipment financing, our team can help you explore available options. Submit an application today to get started. We'll match you with lenders and guide you through the process.
