Equipment financing is a business funding solution that allows you to acquire machinery, vehicles, or tools without paying the full cost upfront. It’s commonly used to purchase commercial equipment while preserving working capital. This type of financing is ideal for businesses in industries like construction, farming, trucking, healthcare, and food service. You can finance both new and used equipment, whether it’s from a licensed dealer or an equipment auction. When you work with Smart Business Credit, we help you choose a financing solution that fits your goals, whether you want to own the equipment outright or start with lower monthly payments through a lease.

We support a wide range of industries with tailored financing options: Construction – Excavators, skid steers, trailers, dump trucks Trucking – Semi-trucks, box trucks, hotshot rigs, tow trucks Farming & Agriculture – Tractors, balers, irrigation systems Restaurants – Kitchen equipment, walk-in coolers, ovens Medical & Dental – Imaging, diagnostic, and surgical devices Startups – First-time buyers and newly formed businesses Not sure if your equipment qualifies? Reach out — we’ll let you know within minutes.

Our process is fast, easy, and transparent — with no obligation to move forward unless you’re ready. Step 1: Apply Online Submit a quick application with basic business info. No hard credit pull. Step 2: Get Approved Our financing specialists will review your details and send you custom options — typically within 24 hours. Step 3: Get Funded & Grow Once approved, you sign digitally and receive funds or payment coordination for your equipment purchase.