Equipment Financing
Buy the asset without draining the bank account
Because the equipment secures the loan, approvals are faster and credit requirements are lower than unsecured financing — often with 100% of cost covered.
- Up to $0M
- Amount financed
- 0 – 7 years
- Term length
- 0.0%
- Rates from
- 0 – 10%
- Down payment
Best for
Is this the right fit?
- Construction, transportation, and manufacturing equipment
- Commercial vehicles and fleet additions
- Medical, dental, and diagnostic equipment
- Restaurant build-outs and commercial kitchens
- Servers, POS systems, and other technology refreshes
Typical requirements
- 6+ months in business
- 600+ personal credit score
- An invoice or quote from the equipment vendor
- Three months of business bank statements
- Equipment used primarily for business purposes
How it works
From application to funded
No document black holes. You always know what stage you're in and what happens next.
Send the quote
Share the vendor invoice. New or used, dealer or private sale — all are financeable.
Approve the structure
Choose term, down payment, and whether you want a $1 buyout or fair-market-value end.
We pay the vendor
Funds go directly to the seller, often same-day once documents are signed.
FAQ
Questions, answered
Can I finance used equipment?+
Yes. Age and condition affect term length and rate, but used equipment from dealers or private sellers is regularly approved.
Is this a loan or a lease?+
We offer both. A loan builds ownership immediately; a lease can lower the payment and may offer tax advantages. Your advisor will model both.
Are there tax benefits?+
Section 179 often allows you to deduct a substantial portion of equipment cost in the year it's placed in service. Confirm with your CPA.
What if I already bought the equipment?+
A sale-leaseback can return cash to your business using equipment you already own outright.
One application, many options
Apply once and we match your file against the products that actually fit.
A real advisor
Every business is assigned a dedicated Flyfill advisor from application through payoff.
No surprises
Total cost of capital, payment schedule, and prepayment terms disclosed up front.
Ready when you are
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.