Equipment Funding
Loans & Operating Leases
Buy or lease, same fast path
Fast Approvals
Speedy approvals within 1–3 days
$5k–$1M+ programs
Funding from $5K up to $1M+
How It Works
How It Works
How It Works
Equipment Funding helps you acquire the vehicles, machinery, and technology your business needs—without draining cash. You can finance to own with a loan or keep flexibility with an operating/capital lease; in many cases, the equipment itself secures the deal. Decisions are fast (often 24–72 hours), and programs typically range from $5,000 to $1,000,000+ with predictable monthly payments.
Getting started is simple: pick your equipment and share the vendor quote or listing. We review time in business, revenue, credit, and equipment details, then issue clear offers. Once e-docs are signed, we pay the vendor directly (or reimburse if you’ve already purchased). At term end, loans release the lien; leases may offer a $1 buyout or fair-market-value option.
Common terms run 24–72 months, with down payments from 0%–20% depending on profile and asset type. This option is great for trucks and construction equipment, manufacturing and CNC machines, medical and dental devices, restaurant and refrigeration gear, plus IT hardware/software and specialty tools. Benefits include preserving working capital, fixed payments aligned to asset life, and potential tax advantages (consult your tax pro).
⇒ Pros: preserve cash and working capital; fixed payments that match asset life; may require less collateral beyond the equipment; and potential tax advantages; Section 179 may apply (consult a tax pro).
⇒ Cons: startups or specialty gear may need higher down payments; older/used equipment can have tighter terms; leases may include end‑of‑term fees or FMV risk; and insurance and maintenance are typically required.
Eligibility is straightforward: US-based businesses with an active bank account, consistent revenue (startups considered with stronger credit/down), and basic equipment details (make/model/year/serial). Typical documents include a driver’s license, voided business check, last 3–6 months of business bank statements, and a vendor quote; insurance is usually required before funding. Apply for equipment funding now!
Compare at a glance
| Funding Option | Flexibility | Speed | Typical Cost |
|---|---|---|---|
| Equipment Funding | Medium (fixed) | Fast | Low–Medium |
| Line of Credit | High (revolving) | Fast | Low–Medium |
| Term Loan | Medium (fixed) | Medium | Low–Medium |
Compare at a glance
| Funding Option | Flexibility | Speed | Typical Cost |
|---|---|---|---|
| Equipment Funding | Medium (fixed) | Fast | Low–Medium |
| Line of Credit | High (revolving) | Fast | Low–Medium |
| Term Loan | Medium (fixed) | Medium | Low–Medium |
Financing (loan or lease) used to acquire business equipment—secured by the equipment itself and repaid over time from your cash flow.
New/used machinery, vehicles, medical/dental devices, construction gear, restaurant/kitchen equipment, IT/servers, POS systems, and more (including many soft costs like installation and taxes).
- Loan: you own the asset; fixed payments; interest; lien on equipment.
Lease: you pay to use the asset; options at end (FMV, 10% option, or $1 buyout); often lower payments during term.
Ticket sizes from ~$10k to multi-million; terms ~24–84 months (sometimes longer for heavy equipment), usually fixed payments.
Loans show APR; leases often show a payment “factor.” Always compare total dollar cost, implied APR, fees, and end-of-term (EOT) options.
Time in business (stronger ≥2 years), stable revenue/bank statements, reasonable credit (personal guaranty common), and a vendor quote/invoice with make/model/serials.
Simple deals can fund in 24–72 hours after approval & delivery/acceptance. Typical docs: application, IDs, bank statements/financials (depth by size), insurance binder, vendor invoice.
Often yes. Many programs include shipping, installation, and taxes; used gear is financeable with inspections and potentially shorter terms or higher down payments.
Depends on structure:
- $1 buyout: you own it.
- Fixed-percent (e.g., 10%): purchase at set residual.
- FMV: buy at fair market value, return, or renew. (Watch for evergreen auto-renewals—give notice on time.)
- Risks: evergreen clauses, unclear FMV, hidden fees, mismatched term vs asset life, under-insuring, and obsolescence.
- Best practices: match term to useful life, verify fees/EOT in writing, maintain insurance, keep maintenance logs, and get UCC/title releases at payoff.
Financing (loan or lease) used to acquire business equipment—secured by the equipment itself and repaid over time from your cash flow.
New/used machinery, vehicles, medical/dental devices, construction gear, restaurant/kitchen equipment, IT/servers, POS systems, and more (including many soft costs like installation and taxes).
- Loan: you own the asset; fixed payments; interest; lien on equipment.
Lease: you pay to use the asset; options at end (FMV, 10% option, or $1 buyout); often lower payments during term.
Ticket sizes from ~$10k to multi-million; terms ~24–84 months (sometimes longer for heavy equipment), usually fixed payments.
Loans show APR; leases often show a payment “factor.” Always compare total dollar cost, implied APR, fees, and end-of-term (EOT) options.
Time in business (stronger ≥2 years), stable revenue/bank statements, reasonable credit (personal guaranty common), and a vendor quote/invoice with make/model/serials.
Simple deals can fund in 24–72 hours after approval & delivery/acceptance. Typical docs: application, IDs, bank statements/financials (depth by size), insurance binder, vendor invoice.
Often yes. Many programs include shipping, installation, and taxes; used gear is financeable with inspections and potentially shorter terms or higher down payments.
Depends on structure:
- $1 buyout: you own it.
- Fixed-percent (e.g., 10%): purchase at set residual.
- FMV: buy at fair market value, return, or renew. (Watch for evergreen auto-renewals—give notice on time.)
- Risks: evergreen clauses, unclear FMV, hidden fees, mismatched term vs asset life, under-insuring, and obsolescence.
- Best practices: match term to useful life, verify fees/EOT in writing, maintain insurance, keep maintenance logs, and get UCC/title releases at payoff.
Frequently Asked Questions
Financing (loan or lease) used to acquire business equipment—secured by the equipment itself and repaid over time from your cash flow.
New/used machinery, vehicles, medical/dental devices, construction gear, restaurant/kitchen equipment, IT/servers, POS systems, and more (including many soft costs like installation and taxes).
- Loan: you own the asset; fixed payments; interest; lien on equipment.
Lease: you pay to use the asset; options at end (FMV, 10% option, or $1 buyout); often lower payments during term.
Ticket sizes from ~$10k to multi-million; terms ~24–84 months (sometimes longer for heavy equipment), usually fixed payments.
Loans show APR; leases often show a payment “factor.” Always compare total dollar cost, implied APR, fees, and end-of-term (EOT) options.
Time in business (stronger ≥2 years), stable revenue/bank statements, reasonable credit (personal guaranty common), and a vendor quote/invoice with make/model/serials.
Simple deals can fund in 24–72 hours after approval & delivery/acceptance. Typical docs: application, IDs, bank statements/financials (depth by size), insurance binder, vendor invoice.
Often yes. Many programs include shipping, installation, and taxes; used gear is financeable with inspections and potentially shorter terms or higher down payments.
Depends on structure:
- $1 buyout: you own it.
- Fixed-percent (e.g., 10%): purchase at set residual.
- FMV: buy at fair market value, return, or renew. (Watch for evergreen auto-renewals—give notice on time.)
- Risks: evergreen clauses, unclear FMV, hidden fees, mismatched term vs asset life, under-insuring, and obsolescence.
- Best practices: match term to useful life, verify fees/EOT in writing, maintain insurance, keep maintenance logs, and get UCC/title releases at payoff.
Equipment funding through Kredline was straightforward and fast. They structured a lease that fit our cash flow, so we kept working capital intact while upgrading our machinery. Terms were clear, collateral stayed with the equipment, and our rep coordinated vendor invoices and delivery—start to finish without hiccups. The new gear is already boosting production and profits.
Noah W. – CEO @ Ridgeview Manufacturing
Equipment funding through Kredline was straightforward and fast. They structured a lease that fit our cash flow, so we kept working capital intact while upgrading our machinery. Terms were clear, collateral stayed with the equipment, and our rep coordinated vendor invoices and delivery—start to finish without hiccups. The new gear is already boosting production and profits.
Noah W. – CEO @ Ridgeview Manufacturing
Equipment funding through Kredline was straightforward and fast. They structured a lease that fit our cash flow, so we kept working capital intact while upgrading our machinery. Terms were clear, collateral stayed with the equipment, and our rep coordinated vendor invoices and delivery—start to finish without hiccups. The new gear is already boosting production and profits.
Noah W. – CEO @ Ridgeview Manufacturing
