Banks, lessors and captive finance arms lend it. They look at the equipment's resale value and your cash flow. 730 lenders offer equipment financing across the US and Canada, usually from $10k to $5M. Last checked Nov 1, 2026.
Equipment lessors, banks, credit unions and the finance arms of equipment makers all lend against machinery, vehicles and technology. Because the asset secures the deal, they approve more businesses and approve them faster than on an unsecured loan. Underwriters look first at what the equipment is worth if they have to resell it, then at whether your cash flow carries the payment. Expect them to ask for the quote or invoice, recent bank statements and, above about $250k, two years of tax returns.
Read the guide: Equipment financing: lenders, lessors and how they underwrite the asset5 min
Equipment lessors, banks, credit unions and manufacturer finance arms. Lessors move fastest; banks usually price lowest for established businesses with two years of returns.
The equipment's resale value and useful life, your cash flow against the payment, your credit and time in business. A vendor quote speeds every decision.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
730 today, with 21 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.
