Asset-Backed
Up to $3,500,000 per unit
Per piece of equipment · Stackable for fleets
Equipment financing lets you acquire the machinery, vehicles, or technology your business needs without draining cash reserves. Because the equipment itself secures the loan, approvals are faster and rates are lower than unsecured options. We finance up to 100% of the equipment cost — new or used — with loan or lease structures available. Stackable across multiple units for fleet builds.
Decision Time
1 – 3 Business Days
Funding Speed
2 – 5 Business Days
Rate
6% – 20% APR
Term Length
12 – 84 Months
Down Payment
$0 Down Available
Structure
Loan or Lease Options
Minimum Requirements
- ✓1+ year in business (startups considered with strong credit)
- ✓$15,000+ in monthly revenue
- ✓580+ personal credit score
- ✓Equipment quote or invoice from vendor
- ✓3 months bank statements · Equipment serves as sole collateral
↓ Example Approval
Iron Ridge Earthworks LLC
Equipment Loan · 72 Months · Heavy Machinery
Approved
Approved Amount
$3,500,000
$62,800
Monthly Pmt
$4,521,600
Total Payback
8.85% APR
Interest Rate
EquipmentCAT 390F Excavator × 4
Term72 Months (6 Years)
Down Payment$0 — 100% Financed
StructureEquipment Loan (Title to Buyer)
CollateralEquipment Only
Credit Pull on ApplicationSoft Pull Only
Multiple units can be stacked under a single facility