Finance the equipment
your business needs
From trucks to commercial kitchen equipment, finance up to $500K with same-day decisions and terms tailored to your cash flow.
At a glance
$10K – $500K
Financing Range
12 – 84 months
Terms Available
Same day
Decision Time
As low as 0%
Down Payment
Equipment itself serves as collateral — no additional security required in most cases.
Why finance equipment through lendflo?
Access lenders who specialize in equipment — and get terms that match how you actually use it.
Preserve Working Capital
Finance up to 100% of the equipment cost so your cash stays available for payroll, inventory, and growth.
Same-Day Decisions
Submit an application and get a credit decision the same business day. Funded in as little as 24–48 hours.
Flexible Structures
Choose from finance leases, operating leases, or loan structures depending on your ownership and tax goals.
Terms Up to 84 Months
Spread payments over up to 7 years to keep monthly obligations manageable and improve cash flow.
New & Used Equipment
Finance brand-new machinery or quality used equipment — both qualify with most lenders in our network.
All Industries Welcome
Construction, food service, healthcare, transportation, manufacturing — our network covers virtually every sector.
Finance the equipment that drives your business forward.
Same-day decisions. Terms tailored to your cash flow.
Equipment we finance
Nearly any equipment used for business purposes qualifies. Here are some of the most common categories.
Common questions
Everything you need to know about equipment financing before you apply.
Do I need to own the equipment outright to use it as collateral?
No — with equipment financing, the equipment itself typically secures the loan or lease, so no additional collateral is required in most cases.
Can I finance used equipment?
Yes. Many lenders in our network will finance used equipment, though rates and terms may vary based on the equipment type, age, and condition.
What's the difference between a finance lease and an operating lease?
A finance lease is similar to ownership — you build equity and own the equipment at the end. An operating lease is more like renting; it can offer lower payments and off-balance-sheet treatment.
What documents do I need to apply?
For most applications under $150K: a completed application and 3–6 months of bank statements. Larger transactions may require full financials and a credit package.
Is there a minimum time in business requirement?
Generally 6–12 months in business for standard approvals. Newer businesses may qualify with a stronger personal credit profile or a co-signer.
How much can I finance?
Equipment financing through lendflo is available from $5,000 up to $2,000,000 depending on the asset type, your business profile, and the lender. Larger transactions are handled on a case-by-case basis.
Can I finance equipment that hasn't been purchased yet?
Yes. You can finance equipment you're planning to purchase from a vendor or dealer. We work with new and existing purchase orders and quotes.
What types of equipment can be financed?
Almost any business-use asset: construction machinery, commercial vehicles, medical equipment, restaurant and food service equipment, manufacturing machinery, IT hardware, and more.
Is a down payment required?
Many programs are available with 0% down, particularly for newer equipment with strong resale value. Your advisor will outline options that minimize upfront cash outlay.
How long does it take to get approved and funded?
Decisions on transactions under $150K are often made the same day. Funding typically follows within 1–3 business days after documents are signed and the vendor is confirmed.
Can I add soft costs like installation or training to the financing?
In many cases, yes. Soft costs directly associated with putting the equipment into service — such as delivery, installation, and training — can often be bundled into the financing amount.
What happens at the end of a lease term?
Depending on your agreement, you may have the option to purchase the equipment at fair market or a fixed residual value, renew the lease, or return the asset. Your advisor will explain all end-of-term options upfront.
Ready to finance your equipment?
Same-day decisions on most applications. A dedicated advisor handles everything from quote to funding.
Typical eligibility
Still have questions?
Talk to an advisorReady to finance your equipment?
Get a same-day decision on equipment financing from $10K to $500K. No obligation — just fast answers.