Finance any piece of equipment your business needs — commercial vehicles, kitchen equipment, heavy machinery, technology — with up to 100% financing and no large down payment. Decisions in 24 hours.
Equipment financing is a loan or lease structure specifically designed to fund the purchase of business equipment, where the equipment itself serves as collateral. Because the asset secures the loan, equipment financing typically offers more favorable terms — better rates, higher approval rates, and more flexibility on credit — compared to unsecured business loans of the same size.
Instead of paying cash upfront for a major equipment purchase and depleting your working capital, equipment financing lets you spread the cost over a fixed term — typically matching the useful life of the equipment — while putting the equipment to work generating revenue immediately. At the end of the term, the lien is released and you own the equipment outright.
LoanHub finances equipment directly. No brokers, no equipment dealers adding margin into the financing — just a transparent loan offer based on your business profile and the equipment you’re purchasing.
LoanHub finances virtually any type of tangible business equipment. Some of the most common equipment categories we fund:
Trucks, vans, trailers, box trucks, refrigerated vehicles, and fleet vehicles.
Commercial ovens, refrigeration units, dishwashers, fryers, and kitchen build-outs.
Excavators, forklifts, cranes, bulldozers, and construction equipment.
CNC machines, lathes, injection molding machines, and industrial presses.
Diagnostic equipment, dental chairs, imaging machines, surgical tools.
Servers, networking equipment, POS systems, software infrastructure.
Tractors, combines, irrigation systems, and specialized farm machinery.
Printing systems, office furniture, phone systems, and workspace build-outs.
If it’s a tangible business asset with a useful life, we can likely finance it.
Our equipment financing process is straightforward:
Tell us about your business and what equipment you need — type, cost, new or used. No hard credit pull to apply.
Our team structures a loan offer — amount, rate, term, and payment — typically within hours. A specialist reviews with you.
Accept, sign electronically, and funds are wired to you or directly to the equipment vendor — often within 24–72 hours.
Because the equipment itself serves as collateral, credit requirements for equipment financing are often more flexible than for unsecured business loans. LoanHub’s minimums:
Equipment financing vs. leasing: With financing, you own the equipment at the end of the term — no residual payment, no buyout option. With a lease, you return the equipment or pay a residual at the end. Financing is better when you want to own; leasing is better when you want to upgrade frequently.
Equipment financing vs. paying cash: Paying cash preserves no working capital and creates no tax-deductible payments. Equipment financing lets you keep your cash liquid — often critical for seasonal businesses or companies that need reserves for operations — while deducting interest payments as a business expense.
Equipment financing vs. unsecured term loans: Because equipment financing is asset-secured, it typically offers better rates than an unsecured business term loan of the same amount. If you’re buying a specific asset, equipment financing is almost always the better-priced option.
Apply in under 5 minutes. No hard credit pull. Up to 100% financing available.
Get my equipment financing offer →Short-term operational financing for payroll, inventory, and cash flow gaps. Same-day decisions.
Fixed repayment schedules up to 5 years. Ideal for planned growth investments up to $2M.
Revolving access to capital. Draw when needed, repay, and draw again. Pay only for what you use.
Up to 100% financing. Fast approval. No hard credit pull.
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