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Equipment Financing & Leasing

Equipment Financing

Buy or lease the trucks, machinery and technology your business runs on, with up to 100% financing and terms matched to the equipment's life.

Financing100%Up to, of equipment cost
Loan amount$2MUp to, from $100K
Term7 yrsUp to, by equipment type
Response1 dayAdvisor contact within one business day
Eligible equipment

New or used, purchase or lease

Financed equipment builds equity your business can use as collateral for future purchases.

Cranes and lifts

All-terrain and crawler cranes, boom trucks, man lifts and scissor lifts.

Trucks

Heavy-duty Class 7–8 semis, dump and tank trucks, and light and medium-duty service, tow and box trucks.

Trailers

Reefer, heavy haul, dry van and livestock trailers.

Construction equipment

Excavators, dozers, loaders, backhoes and other earth-moving equipment.

Aviation

Jets, turboprops and helicopters.

Technology and FF&E

Software, computers, servers, restaurant and healthcare equipment, and office furniture.

Program terms

Equipment financing terms

Terms available through our equipment lending partner. Final terms depend on the equipment, its age and your business.

Loan amount
$100,000 – $2,000,000
Financing
Up to 100% of the equipment cost; little to no money down
Term
2 to 7 years, based on the type of equipment
Structure
Equipment loans and leases for new or used equipment
Rate
Fixed
Collateral
The financed equipment
Larger, long-life equipment
Equipment with a 10+ year life can also be financed through SBA 504
Smaller purchases
Under $150,000, see business loans and SBA Express
How it works

From quote to delivery

Send the quote

Share the equipment, the vendor quote and a little about your business.

Pre-qualify

An equipment advisor contacts you within one business day and pre-qualifies you in one conversation.

Fund the vendor

Once approved, the lender pays the vendor and you put the equipment to work.

What you'll need

Documents checklist

  • Equipment quote or invoice from the vendor
  • Business tax returns for the last 2 to 3 years
  • Year-to-date profit and loss and balance sheet
  • Recent business bank statements
  • Driver's license for each owner
  • Entity documents
Typical terms

Terms by equipment type

Lenders match the term to how long the equipment keeps working.

Longer useful life = longer term
Cranes and lifts3–7 years Trailers3–7 years AviationUp to 7 years Heavy-duty trucks3–5 years Light and medium-duty trucks3–5 years Construction and earth moving3–5 years Software, IT and FF&E2–5 years

Terms vary with the equipment's age and condition and with lender approval.

Common questions

Equipment financing FAQ

Can I finance used equipment?

Yes. New and used equipment both qualify. Terms on used equipment depend on its age and condition.

Do I need a down payment?

Often not. Financing can cover up to 100% of the equipment cost.

Should I lease or buy?

A loan builds ownership and equity. A lease can lower payments and make upgrades easier. We'll show you both.

Are there tax benefits?

Businesses may be able to deduct equipment purchases under Section 179 of the tax code. Talk to your tax advisor about your situation.

What about very large or long-life equipment?

Equipment with a useful life of 10 years or more can be financed through SBA 504 at a long fixed rate.

Have an equipment quote?

Send it over. We'll line up financing so you can put it to work.

Get Started

Terms shown are available through Capital Lending Group's lending partner as of October 2026 and change without notice. Not every business or piece of equipment qualifies for every term. All financing is subject to lender credit approval. Capital Lending Group, LLC is a loan broker, not the lender, and does not provide tax advice.