Compare the fit

Equipment financing companies for startups

Find providers whose own websites explicitly discuss financing for startups or new businesses. Compare published entry requirements before you request contact.

4 providers · Sources checked October 31, 2026 · Alphabetical order

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What to compare first

What counts as a startup

Confirm how the provider defines a new business and whether your ownership experience, industry or equipment changes eligibility.

Cash needed upfront

Request an itemized cash-to-close figure: down payment, first payment, security deposit, documentation fees and any unfunded delivery or installation. Compare quotes for the same asset and term.

Equipment and ownership

Bring the seller quote, equipment age and model. Compare financing and leasing terms, including who owns the asset at the end.

Providers to compare

Each provider below publishes information supporting this specific use. This is a sourced shortlist, not a ranking or an approval decision. A startup or equipment program does not mean every applicant or asset qualifies.

Compare published requirements and the questions still to resolve
Provider	Published eligibility	Terms and costs	Ask before choosing
First Capital Leasing	Official new-business guide explicitly says it helps new businesses across Canada. No exact months-in-business or credit-score threshold stated.	Request a written quote; terms were not established by our sources.	Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.
North Mill Equipment Finance	Startup principal must have at least three years of industry experience and minimum 640 FICO, according to explicit startup FAQ.	Transaction size: $15,000 published financing floor; financing details advertise $15K–$5M. Startup principal: At least three years industry experience and 640 FICO stated in startup FAQ.	Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.
Taycor Financial	Separate new-business program for businesses under two years; most other leasing programs require two years. Day-one eligibility is not stated.	Lease transaction: $5,000 minimum; US context. FAQ advertises 100% financing but typically first and last payments are due in advance. Do not describe as zero cash due.	Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.
TimePayment	Broker-program FAQ explicitly includes startups; direct buyer application available. No exact minimum operating history stated.	Request a written quote; terms were not established by our sources.	Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.

First Capital Leasing

Broker and lender

Canadian leasing option that expressly includes new businesses and used heavy machinery, with seasonal payment structures available.

Who it serves: Official new-business guide explicitly says it helps new businesses across Canada. No exact months-in-business or credit-score threshold stated.
Equipment: New and used equipment, vehicles, tools and heavy machinery; guide states no equipment age/type restrictions.
Published terms: Not established by the sources reviewed. Confirm with the provider.
Service area: Canada nationwide, explicitly stated in the new-business guide.

Ask before applying

Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

Provider program details

North Mill Equipment Finance

Equipment finance provider

Useful when the business is new but its principal has industry experience; start-up-specific requirements matter more than broad credit marketing.

Who it serves: Startup principal must have at least three years of industry experience and minimum 640 FICO, according to explicit startup FAQ.
Equipment: Construction, heavy machinery, manufacturing, material handling and specialty vehicles; class 8 heavy-duty trucks explicitly discussed.
Published terms: Transaction size: $15,000 published financing floor; financing details advertise $15K–$5M. Startup principal: At least three years industry experience and 640 FICO stated in startup FAQ.
Service area: United States; solutions page states businesses across the U.S.

Ask before applying

Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

Provider program details

Taycor Financial

Equipment finance provider

A specific new-business program, with advance payments to account for even when the equipment price is fully financed.

Who it serves: Separate new-business program for businesses under two years; most other leasing programs require two years. Day-one eligibility is not stated.
Equipment: New and used equipment and vehicles.
Published terms: Lease transaction: $5,000 minimum; US context. FAQ advertises 100% financing but typically first and last payments are due in advance. Do not describe as zero cash due.
Service area: United States; homepage describes nationwide lender.

Ask before applying

Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

TimePayment

Equipment finance provider

A startup-capable leasing option for equipment buyers, also available through dealers and brokers.

Who it serves: Broker-program FAQ explicitly includes startups; direct buyer application available. No exact minimum operating history stated.
Equipment: New and used commercial equipment; restaurant, automotive, printing, salon, veterinary, fabrication and other industries.
Published terms: Not established by the sources reviewed. Confirm with the provider.
Service area: United States; direct buyer page says financing for America’s small businesses.

Ask before applying

Confirm the total cash due upfront, guarantee requirements, equipment eligibility and end-of-term obligations in a written quote.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

How we selected these providers

We matched existing register profiles to their own published equipment financing pages and FAQs. We included only providers with evidence for this comparison, kept program-specific conditions attached to the relevant program, and left unconfirmed terms unfilled. Provider order is alphabetical. Levr publishes this register; these are not the providers’ own pages or customer reviews. Published terms can change; request a written quote and agreement before choosing.

Suggest a correction · How register standing works

Questions before you choose

Can a startup get equipment financing?

Some providers explicitly offer startup programs. Approval still depends on the equipment, applicant and program requirements. The entries below show the startup evidence we found.

Is startup financing the same as no credit check?

No. A startup program does not establish that credit checks, guarantees or a down payment are waived. Confirm those requirements directly.

Should I lease or finance the equipment?

Compare total payments, ownership at the end, purchase options, maintenance responsibilities and early exit terms for your intended use.

How can I compare two startup offers fairly?

Use the same equipment price, term and ownership outcome. Ask each provider for total scheduled payments, cash due at signing, personal guarantees, early payoff and any purchase option.

Want help comparing your options?

A business loan broker can help assess the fit and arrange financing. Explore our sister register or browse the full financing category.

Find a equipment financing broker →Browse all equipment financing providers →

Understand the financing before comparing offers

Read the financing overview on BusinessLoanBroker.ai, then use this register to compare specific providers and their published programs.

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