Equipment Financing for Small Business

Get the equipment you need without draining your cash flow.

From commercial ovens to company trucks, equipment financing for small business helps you get the tools to run and grow your business — without the upfront cost. Whether you’re purchasing or leasing, Capitalize Loans offers flexible options to match your needs.

How Equipment Financing Works

Capitalize Loans connects you to fast, reliable equipment financing — so you can stop worrying about how to afford vital equipment and start using it to grow.

Equipment Financing: Spread the cost over time and own the equipment at the end of your term, just like an auto loan.
Equipment Leasing: Rent equipment for a fixed term without taking on ownership or depreciation risk — ideal for short-term or fast-evolving needs.

Submit Single Application

Complete our quick online form. One of our underwriters will reach out the same business day.

START +

Find the Best Fit

Your underwriter will recommend funding options tailored to your business and cash flow.

Get Approved Fast

You could receive approval and funding in as little as 24 hours.

Repay with Confidence

Your repayment terms are clearly structured upfront — no surprises.

Why Small Businesses Use Equipment Financing

The right tools give you a competitive edge — and with flexible financing, you can invest without sacrificing cash flow. Nearly every industry qualifies.

Equipment Financing Can Cover:

Commercial kitchen equipment
Company cars, delivery vans, trailers
HVAC systems and solar panels
Computers, POS systems, and software

Office furniture and fixtures
Manufacturing and warehouse tools
Medical or dental equipment

Equipment Financing vs. Leasing: What’s the Difference?

Ownership

Financing gives you full ownership once the loan is repaid.
Leasing gives you usage rights, with the option to buy, return, or upgrade later.

Cash Flow Impact:

Leasing requires no down payment and keeps monthly costs low.
Financing may offer lower long-term cost if you plan to keep the equipment.

Types of Equipment Leases

Operating Lease

Low monthly payments with the option to purchase equipment at fair market value when the term ends.

Capital Lease

Structured like a loan, often ending with a $1 buyout or 10% purchase option. Doesn’t appear on your balance sheet during the lease term.

Benefits of Equipment Financing

Easier to Qualify – Even with lower credit, since the loan is self-secured
No Additional Collateral – The equipment itself backs the loan
Fast & Simple – Apply online with just 3 months of bank statements
Lower Rates – Interest rates start as low as 8%, depending on your financials

Benefits of Equipment Leasing

Flexible End-of-Term Options – Buy, return, or upgrade
No Down Payment – Preserve cash for other business needs
No Collateral Required – Reduce risk while accessing essential equipment
Quick Approval – Minimal paperwork and fast decision-making

Minimum Qualifications for Equipment Financing

We look beyond credit score alone. Here’s what you’ll need to get started:

FICO® Credit Score

500

Qualify in an instant with no impact on your credit score

Monthly Gross Deposits

$10,000

A minimum of $10,000 in gross deposits must show in your last three business bank statements

Time in Business

6 months

Business has been fully operational for at least 6 months

Ready to Get Started?

Fill out our quick application to explore your options with a dedicated advisor.