Get Fast, Flexible Equipment Financing for Your Business
All Businesses Welcome. Fast Approvals. No Credit Impact.
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Over $300 Million Funded to Small & Medium Business Owners for the Past 30 Years
At Smart Business Credit, we know that running a small or growing business comes with its challenges. That’s why we offer fast, flexible financing that works for you. Whether you're just starting or expanding, we make it easy to secure the equipment you need: • Approvals in as Little as 1 Hour • Flexible Financing Options for New & Used Equipment • Trusted by Thousands of Business Owners
Why Choose Smart Business Credit?
- Fast approvals — even for weekend auctions
- All credit types welcome
- Personalized loan options
- Real people, not scripted reps
- Custom, one-on-one financing experience
- Long-term relationship approach for future needs
Let’s build the right plan to move your business forward.
Industries We Serve
- Construction
- Farming
- Trucking
- Medical Practices
- Startups
- Others
We understand your industry’s equipment needs and challenges.
Financing Options That Fit Your Needs
Access capital to purchase new or used equipment with fixed monthly payments through our flexible equipment loans.
Bidding at an auction? Get pre-approved and bid with confidence using our auction equipment financing.
Starting a new business? Our startup financing options are tailored to help you get the equipment you need.
Heavy equipment financing
Flexible financing solutions to help businesses acquire the heavy equipment they need without tying up capital.
Auction financing
Get pre-approved before the auction and bid with confidence knowing your funds are ready when you win.
Specialty Equipment Financing
Flexible financing for unique business equipment — from dumpsters and drones to signage, storage, and more. Fast approvals with no hard credit check.
Used equipment financing
Affordable loan options tailored for purchasing reliable, pre-owned equipment from auctions, dealers, or private sellers.
Farming equipment financing
Custom financing for farmers and agricultural businesses investing in tractors, harvesters, and other essential equipment
Trucking equipment financing
Fast, hassle-free financing for new and used trucks, trailers, and other commercial transport vehicles.
How Our Financing Process Works
Apply Online in Minutes
Complete our secure online application — no hard credit pull required.
Approval in as soon as 1 hour
Our team reviews your info and gets you approved fast.
Choose the Right Financing Plan
Select lease or loan terms that work best for your budget.
Stay Ahead with the Latest Financing Insights
Tax Benefits of Equipment Leasing
Leasing might be the smartest move this season. Whether you're looking at a new machine from a dealer, a used model from a private seller, or scoring a deal at auction — Smart Business Credit helps you finance across all sources and take advantage of tax-saving lease options like Section 179. Get flexibility, fast approvals, and deductions that make your accountant smile.
Equipment Financing vs Business Loans
We break down the pros, cons, and ideal use cases for each — so you can pick the right tool for your business goals. Whether you're looking to buy specific equipment or just need working capital, Smart Business Credit helps you compare both options side-by-side and get approved fast. No jargon. No pressure. Just clear answers to help you move forward confidently.
How to apply for equipment financing
Equipment financing gives your business the tools to grow — without draining your cash. This step-by-step guide walks you through how to apply, what to expect, and how to get approved fast. Whether you’re just starting out or expanding your operation, we’ll help you fund smarter and move forward with confidence.
What Our Clients Say
Mike R
“Smart Business Credit helped us finance our excavator when no one else would. Their process was easy and fast.”
Sandra L
“As a startup, I thought financing would be tough. But they got me approved in a day.”
Frequently Asked Questions
What types of equipment can I finance?
Almost anything—trucks, trailers, machines, kitchen and office equipment.
Do I need excellent credit to get approved?
No. We consider all credit types and focus on your business needs and ability to repay.
How fast is the approval process?
Most decisions are made within 24 hours.