Equipment Financing for Your Business
Get your business approved for new and used heavy equipment. Commercial financing with terms built around your cash flow — estimate your monthly payment, then apply.
Get ApprovedEstimate Your Monthly Payment
See roughly what a unit would run per month. Your real payment is set when a lender approves your application.
How Financing Works
We work with multiple commercial equipment lenders, so you apply once and we find the approval that fits.
Apply
Complete a short business credit application — your company details, ownership, and the equipment you want. New or used, anything in our inventory.
Get matched to a lender
We submit your application to our network of commercial equipment lenders and find the structure that fits your cash flow.
Put it to work
Once approved, we finalize the paperwork and get the machine to your yard — so the equipment can start earning.
What Helps Your Business Qualify
Commercial equipment financing isn’t a credit-score lookup. Lenders weigh the full picture of your business and the machine you’re buying.
Time in business
Established businesses qualify easily, but newer companies and startups have options too.
Business cash flow
Lenders want to see the equipment will pay for itself — what the machine earns matters more than a single credit number.
The equipment itself
The machine is the collateral, which is why used iron and a range of credit profiles can still get financed.
No obligation. A few minutes. Business and owner details required.
Section 179 Tax Benefits
Financing keeps your capital free while your business still claims the deduction.
Section 179 Deduction
$2.56M
2026 deduction limit — your business can deduct the full purchase price of qualifying equipment in the year you put it to work.
Bonus Depreciation
100%
100% bonus depreciation restored for qualifying equipment acquired after Jan. 19, 2025. Applies after the Section 179 limit.
Tax information is for general reference only. Consult your tax advisor for specific guidance applicable to your situation.
Frequently Asked Questions
How does my business qualify for equipment financing?
Commercial equipment lenders look at the whole business — time in operation, cash flow, and the equipment itself, which serves as collateral. Unlike a consumer auto loan, there is no fixed "credit-score tier" that sets your rate; approval and terms are based on your business and how the deal is structured. We work with a range of profiles, including newer businesses and owners who have had past challenges.
Can I finance used equipment?
Yes. We finance both new and used equipment, including the units in our inventory. Age and hours can affect terms on older machines and trucks, but used iron is financed every day.
How fast can I get approved?
Most complete applications get a lender decision within one to two business days. Having your business details, ownership information, and the equipment you want ready up front is the fastest path to an approval.
What terms are available, and is a down payment required?
Terms typically run 36 to 84 months, structured around your cash flow — longer terms lower the monthly payment, shorter terms reduce total cost. Down payment varies by the deal; many qualified businesses finance with little to nothing down, while a larger down payment can improve your terms.
Can my business deduct the purchase on its taxes?
Yes. Under Section 179, businesses can deduct the full purchase price of qualifying equipment in the year it is placed in service, and bonus depreciation may apply on top of that. New and used equipment can qualify. Consult your tax advisor for guidance specific to your situation.
Ready to Get Started?
Browse our inventory or apply to get your business approved for financing.