Equipment Financing — The Equipment Is the Collateral. Approval in 24–72 Hours.

files that arrive with a vendor quote routinely approve within one business day.

The 60-second take

Equipment financing is the most self-contained product in small business lending: the asset you're buying is the collateral, so lenders lean on the equipment's value as much as your credit file. That's why approval rates run higher and speed runs faster here than almost anywhere else.

Our borrowers use it for work trucks and trailers, kitchen and restaurant equipment, medical and dental systems, manufacturing machinery, and gym build-outs. New or used, dealer or private sale — the structure is the same: fixed payments over 2–7 years, and the equipment goes to work paying for itself immediately.

Have your vendor quote ready — it's the paperwork that matters most

Most days, the single document that drives an equipment approval is the vendor quote or invoice: what you're buying, from whom, for how much. Bring that plus bank statements and the file is essentially complete. If you're still shopping, apply anyway — approvals can be issued as a budget, then finalized when you pick the unit.

Vendor "preferred lender" vs. our partner network

The dealership's in-house financing desk quotes one lender: theirs. Our partners compete across the market for the same deal — and on used equipment, private-party sales, or imperfect credit, that competition is regularly the difference between an approval and a decline, or between two payments hundreds of dollars apart. Get the dealer's number, then compare it. Comparing costs you nothing.

Who it's right for

• Contractors, truckers, restaurants, medical/dental practices, manufacturers, gyms, salons
• Businesses of any age — even startups qualify when the equipment holds value
• Owners who want to preserve cash and match payments to the equipment's working life
• Buyers of used or auction equipment that dealer financing won't touch

Typical 2026 terms through our network

What you'll need when you apply

Vendor quote or invoice, 3–4 months of business bank statements, EIN, and ID. For amounts over ~$250K, add a tax return.

Why finance this through No Fee Funding

No fees to you. Lender-paid referrals only — your payment doesn't carry our commission. Vetted partners. Specialists by equipment class, including used and titled assets. Track record. 50,000+ businesses funded, $5B+ facilitated, since 2007.

Frequently asked questions