Equipment Financing

The gear earns its keep while it pays itself off

We settle up with your vendor directly and hold a first lien on the kit until it is paid off. Because the asset itself is the security, the rate sits under what unsecured money of that size would cost, and we can run the term out to match the working life of the machine. New or used both qualify, a private sale included, and the file is lighter than a bank would ask for — the collateral shoulders most of the load.

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$20,000 – $1,000,000Equipment value
24 – 72 months, set to how long the asset keeps earningTerm
A decision inside a few business days, and the vendor is paid the instant the paperwork is doneFunding speed

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The numbers

Every figure for this product, lined up in one place

Equipment value: $20,000 – $1,000,000
Pricing: An interest rate, eased down by the security sitting in the asset
Repayment: A single monthly bill
Term: 24 to 72 months, tuned to the equipment’s working life
Deposit: Frequently zero down on new kit; 10 to 20 percent on older used ones
Funding: We pay the vendor direct, usually a couple of business days after signing

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The use

Where an advance earns its keep

Trucks, kitchen suites, machine tools, dental and medical gear — anything with years of service ahead and a resale market behind it. Start an application

The equipment itself stands as the security, so your cash flow carries no extra lien.

Used machines and private-seller deals qualify, pending an inspection or a valuation.

Freight, installation and an opening run of maintenance usually fold into the financed amount.

We size the term to how long the asset earns, not to a calendar picked at random.

Section 179 treatment might apply — take that one up with your own accountant, never with us.

The fit

Whether this product is worth your next ten minutes

Time in business: 6 months or moreClocked from when the business began trading for real, not from the date the entity was registered.
Monthly revenue: $15,000 or moreWhat actually lands in the business account each month. Four even months read better here than one standout.
Business bank account: RequiredLive, in use, and under the trading name itself — a personal account will not stand in for it.
Location: United StatesThe business has to be formed and trading in the US. We put money to work across all fifty states.

Clear all of these and the file gets a proper read. That is not the same as an offer — plenty of businesses are turned down here, and we would sooner say so within the hour than string it out for a fortnight.

The detail

Sharper questions about how an advance behaves

Can I fund a purchase from a private seller?

Yes — private sellers and auctions are both fundable. Expect us to want the bill of sale from the seller, a serial number or VIN, and usually an independent inspection before the funds release.

And once the term is up?

We clear the lien and the gear is yours outright. A standard finance agreement leaves no residual to settle and no balloon waiting at the end.

If a cash advance is not a loan, what is it?

It is a sale, plain and simple, and the line is a legal one rather than marketing. A named dollar sum of sales you have yet to collect moves to us, we pay a discounted price now, and we get that sum back out of your settlements as they arrive. Since nothing was lent, there is no rate, no APR and no maturity date — those belong to debt. Anyone selling you an advance as a loan has either misread the product or is betting that you will.

How does the factor-rate math work?

Once. You multiply a single time and stop. Seventy-five thousand at 1.30 means we are buying $97,500 of your coming sales, and the $22,500 between the two numbers is everything the money costs — full stop, with nothing added down the line. Time never touches that gap. Clear it in six months or eleven and it is still $22,500, the mirror image of how interest treats a running balance. You can work the sum on a napkin before signing, and the napkin will be right.

A month of soft sales — now what?

What leaves your account drops the same week your sales do, with nobody lifting a finger. We take a share, not a flat figure, so a month at half pace returns roughly half, and the calendar simply lengthens to cover the rest. Nothing gets missed, because no payment was ever scheduled to miss. That is why seasonal owners reach for an advance before anything else. An outright collapse in revenue, as opposed to a dip, is a separate talk, and one to have with us early.

The alternatives

When an advance is plainly the wrong tool

If your case suits a term loan, a credit line, equipment paper or an SBA file, the price usually lands well under an advance. Those sit on our menu too, so nudging you toward the dearer one would only cost us the next deal.

Business Term Loan

Draw the whole amount at closing and clear it on a schedule you can set your calendar by.

Loan amount: $25,000 – $500,000
Payments: A level payment, pulled by ACH on the same calendar day each month

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Merchant Cash Advance

We purchase a slice of your upcoming sales at a discount today. A receivables sale, not a loan, and priced on a factor rate.

Amount advanced: $10,000 – $500,000
Payments: A small, fixed share of your card takings or bank deposits, remitted daily

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SBA Loan

Federally guaranteed, the keenest price on this page, and genuinely slow. Those three travel together.

Loan amount: $50,000 – $2,000,000
Payments: A single monthly bill, spread over a long run of years

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Business Line of Credit

Lock in the limit once, then leave it untouched until the business calls on it.

Available limit: $10,000 – $250,000
Payments: Monthly payments figured on the drawn balance alone

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Let the statements make the case

A few months of PDFs is plenty for a proper price. Turn the offer down after reading it and nothing is owed.

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