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Equipment financing

A loan to buy equipment, secured by the equipment itself. Easier to qualify for, often cheaper, and your cash stays in the bank.

Get the equipment working before it's paid for

Apply for equipment financingTalk to an advisor
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Equipment financing at a glance
AmountUp to 100% of equipment cost
TermMatched to the equipment's useful life
SpeedSame-day decisions
PaymentsMonthly
Best forMedical, manufacturing, construction and technology equipment

What businesses use it for

  • Medical and dental imaging
  • CNC machines and production lines
  • Excavators, lifts and work trucks
  • Servers, POS systems and networks

How does equipment financing work?

  1. 1

    Share the quote or invoice from your vendor, new or used.

  2. 2

    We confirm the equipment's value and structure a term around its useful life.

  3. 3

    Funds go to the vendor or to you, depending on how you're buying.

  4. 4

    The equipment works for your business while you pay it down.

Why choose Credible Lending for equipment financing?

Keep cash in the business

Preserve working capital for payroll and growth instead of tying it up in one purchase.

Easier to qualify

The equipment secures the loan, which can widen approval and lower cost.

New or used

Finance from dealers, manufacturers or private sellers.

Industry specialists

Dedicated programs for medical, manufacturing, construction and technology equipment.

Equipment financing by industry

Related funding

Equipment financing questions

Something else on your mind? Ask an advisor.

Do I need a down payment for equipment financing?
Often not. Many approvals cover up to the full cost of the equipment, depending on your credit profile and the asset.
Can I finance used equipment?
Yes. We finance new and used equipment from dealers, manufacturers and private sellers, subject to valuation.
What types of equipment can I finance?
Most revenue-producing business equipment: medical and dental devices, manufacturing machinery, construction equipment and vehicles, restaurant kitchens, and technology such as servers and point-of-sale systems.

Ready to see your equipment financing offer?

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor