Financing program
Connect with lenders who understand logistics. Equipment financing for forklifts, conveyors, and pallet racking. SBA loans for facility buildouts and acquisition. Working capital for payroll, fuel, and seasonal demand. One application, we match you with the right programs.
Logistics and warehousing companies finance equipment (forklifts, conveyors, pallet racking, dock equipment), SBA 7(a) and 504 loans for facilities and real estate, and working capital for labor and fuel. Costs are incurred upfront on contract work and paid when clients settle invoices, so seasonal peaks and contract ramps are the usual triggers for borrowing.
Logistics and warehousing businesses operate differently from most other industries. Revenue follows contract cycles—you incur labor, fuel, and facility costs upfront, then get paid when clients settle invoices. Seasonal peaks, capacity constraints, and payment lags create cash flow pressure. High equipment costs for forklifts, conveyors, and pallet racking add to the capital challenge. Standard bank loans often don't align with how 3PLs, distributors, and warehouse operators actually run their operations.
That's why logistics-specific financing matters. Lenders who understand the industry evaluate your contract mix, throughput, and facility utilization—not just static financials. They structure equipment loans around the useful life of forklifts and conveyors, working capital around contract cycles, and SBA loans for facility buildouts and acquisition when you're ready to expand. Axiant Partners connects 3PLs, distributors, and fulfillment centers with lenders who get the industry. One application, we match you with programs suited to your business profile. See all industries we serve. Apply now to see what you qualify for.
3PLs, distributors, and warehouse operators need capital for forklifts, conveyors, facility expansion, and growth. From daily operations to long-term equipment and acquisition, here are the most common uses—and how we connect you with the right product.
Forklifts, pallet racking, conveyors, dock equipment, and storage systems. Equipment financing spreads the cost over the asset's useful life instead of tying up cash. Many lenders specialize in warehouse equipment and understand throughput and resale value. Typical terms 36-84 months. Browse equipment by type.
Payroll, fuel, and overhead when client payments lag or seasonal peaks strain capacity. Working capital loans bridge the gap between operating costs and contract payments—or between adding capacity and revenue. Terms can align with your contract cycles. Essential when scaling for peak season or managing cash flow between draws. Explore logistics working capital.
SBA 7(a) and 504 loans for facility buildouts, equipment, real estate, and acquisition. Lower down payments (10% for 504 real estate), longer terms (10-25 years), competitive rates. Use 7(a) for flexibility; 504 for owner-occupied warehouse and distribution centers. Plan for 30-60+ days. View SBA loans for logistics.
Revolving credit for fuel, payroll, and slow periods. Draw when peak season requires labor and fuel upfront; repay as contracts pay. Ideal for contract-based cash flow and variable revenue. Many operators use a line alongside equipment and SBA financing. Explore logistics line of credit.
Purchase or refinance warehouses, distribution centers, and fulfillment facilities. SBA 504 and conventional mortgages build equity while freeing capital for equipment and operations. Owner-occupied property often qualifies for favorable terms. Stop leasing; build equity instead. Explore warehouse real estate.
Buy another warehouse, acquire a 3PL, or purchase an existing distribution business. SBA 7(a) loans finance acquisitions—often with as little as 10% down. Seller financing and thorough documentation improve approval odds. Grow through acquisition when organic growth isn't enough. SBA acquisition financing.
Logistics financing sizes vary by product, use of funds, and business profile. Here are representative ranges we see across the U.S.:
| Industry | Typical amount | What it funds |
|---|---|---|
| Equipment financing | $25,000 to $1,000,000+ | forklifts, conveyors, pallet racking, and dock equipment. Single unit or fleet. New or used. |
| Working capital | $25,000 to $500,000+ | payroll, fuel, and overhead. Terms often align with contract cycles. |
| SBA 7(a) | $50,000 to $5,000,000 | working capital, equipment, facility buildouts, or acquisition. Most flexible SBA program. |
| SBA 504 | $500,000 to $5,000,000+ | owner-occupied warehouses and distribution centers. 10% down, long-term fixed rates. |
| Lines of credit | $25,000 to $500,000+ | depending on revenue, credit, and lender. Revolving, draw as needed. |
Your actual amount depends on revenue, credit, contract mix, facility size, and lender. Use our financing calculator to estimate monthly payments. Apply now to get matched with programs for your situation.
Logistics-specific financing offers advantages that generic business loans often cannot match. Here's why 3PLs and warehouse operators nationwide turn to specialized lenders:
Equipment financing often receives decisions in 24-48 hours. When you need forklifts for a new facility or conveyors to handle peak season, you can't wait 60 days. Working capital and lines of credit can fund in days to a few weeks. SBA takes longer but offers terms others can't match.
Spread equipment costs over 36-84 months instead of one lump sum. Keep cash for payroll, fuel, and unexpected capacity needs. Working capital loans bridge contract gaps without depleting reserves. Match financing structure to your cash flow—not the other way around.
Logistics lenders evaluate contract mix, throughput, facility utilization, and seasonal demand—not just financials. They structure loans around equipment useful life and contract cycles. Terms that fit how you actually operate.
Equipment today, working capital for peak season, SBA real estate when you're ready to own. Many operators use a mix. We connect you with lenders who offer the full suite—so you're not juggling five different banks for five different needs.
We connect you with lenders who offer equipment financing, SBA loans, working capital, and lines of credit. Understanding the options helps you choose the right fit—and we guide you through that decision.
| Financing Option | Best For | |
|---|---|---|
| Warehouse Equipment Financing | Loans for forklifts, pallet racking, conveyors, dock equipment, and material handling. Spread costs over useful life; preserve cash for payroll and operations. Ideal for capacity expansion or automation. Decisions often 24-48 hours. | Browse forklifts, conveyors & more ? |
| SBA Loans for Logistics | SBA 7(a) and 504 loans offer longer terms and lower down payments. Use for working capital, equipment, warehouses, distribution centers, and acquisition. Approval typically 30–60 days. 10% down for 504 real estate. | View SBA loans for logistics ? |
| Logistics Working Capital | Cover payroll, fuel, and overhead when client payments lag or seasonal demand spikes. Bridge cash flow gaps between contract payments. | Explore warehouse working capital ? |
| Logistics Line of Credit | Revolving credit for fuel, payroll, and slow periods. Draw when needed; repay as contracts pay. Well-suited to variable revenue and contract-based cash flow. | Explore logistics line of credit ? |
| Warehouse & Distribution Real Estate | Purchase or refinance warehouses, distribution centers, and fulfillment facilities. SBA 504 and conventional mortgages build equity while freeing capital for equipment and operations. 10% down with 504. | Explore warehouse real estate ? |
Axiant Partners connects you with logistics lenders and guides you from application to funding.
Equipment financing: 24-48 hours. Working capital: days to weeks. SBA: 30-60+ days. Apply now to get started.
01
Tell us about your operation, equipment needs, use of funds, and timeline. One application goes to multiple logistics lender partners. We determine whether equipment, working capital, SBA, or a combination fits best.
02
Our team analyzes your profile and identifies lenders whose programs align with your needs. Equipment-only? Working capital for peak season? SBA for facility buildout? We connect you with the right programs.
03
Equipment financing often requires minimal docs—application, bank statements, equipment quote. SBA and larger working capital need more. We tell you exactly what's needed and keep the process moving. Equipment decisions in 24-48 hours; SBA 30-60+ days.
04
Once approved, funds disburse per your loan type. Equipment financing—lender pays vendor or you. Working capital—deposited to your account. SBA—per closing docs. You're funded and ready to expand capacity, add facilities, or acquire.
Logistics and warehousing companies frequently finance material handling and storage equipment. Below are common types, typical cost ranges, and why businesses finance them. Lenders who specialize in warehouse equipment understand throughput, depreciation, and resale value—often resulting in better terms and faster decisions.
Forklifts are essential for loading, unloading, and moving pallets in warehouses and distribution centers. New forklifts typically cost $25,000–$80,000 or more depending on type and capacity. Financing helps operators add capacity or replace aging fleet.
How to finance a forklift
Pallet racking, shelving, and storage systems maximize warehouse density and organization. Racking typically costs $5,000–$100,000 or more depending on size and configuration. Financing helps operators expand storage capacity for growth.
How to finance pallet racking
Conveyors move goods through receiving, picking, packing, and shipping. Systems typically cost $10,000–$200,000 or more depending on length and complexity. Financing helps operators automate and increase throughput.
How to finance conveyor systems
Dock levelers, doors, and truck restraints streamline loading and unloading. Dock equipment typically costs $5,000–$50,000 or more per door. Financing helps operators outfit new facilities or upgrade for safety and efficiency.
How to finance dock equipment
Electric and manual pallet jacks, hand trucks, and carts support daily material handling. Equipment typically costs $500–$15,000 or more per unit. Financing helps operators scale fleet size for seasonal peaks or new facilities.
How to finance a pallet jack
Barcode scanners, mobile computers, and warehouse management systems track inventory and improve accuracy. Technology typically costs $2,000–$50,000 or more depending on scope. Financing helps operators modernize and reduce errors.
How to finance scanning and WMSBrowse All Equipment by TypeApply for Logistics Equipment Financing
When you need forklifts for a new facility, conveyors to handle peak season, or pallet racking to expand storage, you can't wait months. Logistics equipment financing delivers decisions in 24-48 hours for many applications. Lenders who specialize in warehouse equipment understand your industry—they evaluate the asset, your throughput, and contract mix. New or used, single unit or fleet, equipment financing preserves cash and matches payments to the equipment's productive life. Whether you run a 3PL, distribution center, or fulfillment warehouse, we connect you with lenders who finance the equipment you need. See our full equipment financing overview or apply now to get matched.
Logistics revenue follows contract cycles—you incur labor, fuel, and facility costs, then get paid when clients settle. The lag between providing services and receiving payment creates cash flow gaps. Working capital loans bridge that gap. Cover payroll during peak season when you ramp up before contract draws, stock fuel for fleet operations, pay rent when payments lag. Terms can align with your contract cycles, so you're not stuck with a 12-month loan when cash flow is seasonal. 3PLs and warehouse operators use working capital to scale for peak demand, manage payment lags, and smooth cash flow between draws. If you're tired of juggling payables while waiting on contract payments, working capital financing can change the equation. Explore logistics working capital or apply to see your options.
Requirements vary by product and lender. Here's what most logistics lenders consider:
Credit 550+ FICO common; some programs work with lower. Revenue, time in business, and equipment value matter. New equipment often easier than used. Down payment 0–20% depending on credit and asset.
Revenue, cash flow, and time in business. Lenders want to see ability to repay. Contract mix and facility utilization can support approval. Terms vary by lender.
Typically 650–680+ FICO, 2+ years in business, demonstrated profitability. Personal guarantees required. More documentation than equipment-only, but terms (10–25 years, 10% down for 504) often worth it.
Revenue stability, credit, and existing debt. Revolving structure means ongoing monitoring. Draw as needed; repay when contracts pay.
Strong operations with clear use of funds and solid documentation typically qualify for favorable terms. Challenged credit? Options exist—terms may differ. Apply now and we'll match you with lenders whose criteria fit your profile.
We focus on connecting logistics operators with the right lenders and moving your application forward efficiently.
We understand equipment, working capital, SBA, and how they fit together. We match you with lenders who serve 3PLs and warehouses.
Equipment today, working capital for peak season, SBA when you're ready. One application goes to multiple lenders across product types.
We serve logistics and warehousing businesses anywhere in the U.S. Operation type and facility size don't limit your options.
We're compensated by lenders. Your match service is free.
One application, multiple options, support at each stage. Apply now to get started.
See a rough monthly payment for a fixed-rate business loan. Adjust the amount, rate, and term to fit your scenario.
Estimate only — your actual rate and term depend on your business profile and the lender. Get matched for a real quote.
Logistics and warehousing companies can access equipment financing for forklifts, conveyors, pallet racking, and dock equipment; SBA 7(a) and 504 loans for real estate, facility buildouts, and acquisition; working capital loans for payroll and seasonal demand; and lines of credit for fuel and operations. Amounts typically range from $25,000 to $5,000,000 depending on use and business profile. Apply to see what you qualify for.
Equipment financing often receives decisions within 24-48 hours. SBA loans typically take 30-60+ days. Working capital and lines of credit can fund in days to a few weeks depending on lender and documentation. Need forklifts for a new facility? Equipment financing is usually the answer.
Yes. Many lenders finance both new and used forklifts, conveyors, and pallet racking. Used equipment may have shorter terms (36-60 months) and rates based on age and condition. Fleet size and utilization can affect terms. See our guide to used equipment financing.
Equipment financing programs often accept 550+ FICO. SBA loans typically favor 650-680+ credit. Working capital and lines of credit vary by lender. Strong credit improves terms; options exist for challenged credit with different structures. Apply and we'll match you with lenders that fit your profile.
3PLs and warehouse operators use working capital to cover payroll, fuel, and overhead when client payments lag or seasonal peaks strain capacity. Terms can align with contract cycles. Essential when expanding or managing cash flow between contract payments. Contract-based revenue makes working capital crucial for many operators.
Yes. SBA 7(a) and 504 loans finance forklifts, conveyors, and facility buildouts. 7(a) is flexible; 504 suits real estate and long-lived assets. Approval typically 30-60 days. If you need equipment faster, equipment-only financing often funds in 24-48 hours. Compare SBA vs equipment financing.
Apply for Logistics Financing TodayExplore our newest logistics growth cluster focused on warehouse expansion, forklift uptime strategy, working-capital control, and 3PL contract scaling. For equipment-specific guides by type, see Equipment by Type. For all articles, see Equipment Financing Articles.
A practical framework for expanding warehouse capacity while protecting service levels and avoiding cash-flow breakdowns.
Read →How to modernize forklift fleets with a replacement strategy that improves uptime and warehouse throughput.
Read →A cash-flow playbook for 3PLs and warehouse operators managing payroll and fuel while receivables lag.
Read →A bid-to-execution financing strategy for winning larger contracts without destabilizing existing operations.
Read →We also provide financing for trucking, manufacturing, and construction businesses. View all industries.
Logistics and warehousing companies need financing that fits contract cycles and seasonal demand. Axiant Partners connects 3PLs, distributors, and warehouse operators with lenders that offer equipment loans, working capital, SBA loans, and more. Submit your information once and we match you with programs suited to your business profile.