Business Funding

Equipment Financing

Finance trucks, machinery, medical or restaurant equipment with the equipment itself as collateral — so approvals are easier and your cash stays in the business.

$10K–$2MFunding range
2–7 yrsTerm length
Up to 100%Of equipment cost
2–5 daysTypical funding time

How it works

1

Apply in 3 minutes

Tell us what you are buying, the vendor and the price. New and used equipment both qualify.

2

Get approved on the asset

Because the equipment secures the loan, lenders weigh its value as much as your credit. Newer businesses often qualify.

3

Lender pays the vendor

Funds go straight to the seller. You take delivery and make fixed monthly payments; you own it outright at the end.

Best for

  • Trucking, construction, manufacturing, medical, dental, restaurants, salons
  • Replacing aging equipment without draining cash reserves
  • Taking on a contract that needs new capacity
  • Owners who want the tax advantages of Section 179

What you'll need

  • A quote or invoice from the equipment vendor
  • 6+ months in business (startups considered with 10–20% down)
  • Personal credit 600+
  • Last 3 months of bank statements

Common questions

Lease or loan — which is better?

A loan builds ownership and equity; a lease keeps payments lower and lets you upgrade at term end. Your advisor will run both numbers for your situation.

Can I finance used equipment?

Yes. Most lenders finance used equipment up to about 10 years old, including private-party sales with proper documentation.

What about soft costs like installation?

Many programs allow delivery, installation and training to be rolled into the financed amount. Ask your advisor to include them in the quote.

See what you qualify for

Three minutes, no hard credit pull. An advisor responds within 24 hours.

Funding amounts, terms and eligibility vary by lender and are determined after review of your application and bank statements. Pink 3mber Solution LLC is a funding advisory, not a direct lender.