Startup Equipment Financing
Flexible Equipment Financing for New Business Owners
We provide access to lease and loan programs for nearly any type of commercial equipment, including:
- Construction equipment and trailers
- Farming machinery and utility vehicles
- Semi-trucks, delivery trucks, and service vehicles
- Commercial kitchen equipment
- Medical and dental technology
- Office and service-based tools
If you're buying from a dealer, private party, or auction—we can help. Startup approvals typically take less than 24 hours and don’t require a long credit history or multiple years in business.
Why Traditional Lenders Turn Startups Away
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Most startups don’t meet the underwriting guidelines of traditional banks. New business owners typically lack business credit, haven’t built up consistent revenue, and may not yet have a large customer base or equipment to use as collateral. While these factors may be red flags for traditional lenders, we focus on your vision, potential, and ability to repay over time—not just your credit file.
How It Works: Simple and Fast
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1. Apply Online No hard credit check required. 2. Get Pre-Approved in 24 Hours We evaluate your potential, not just your history. 3. Get Funded and Start Operating Once approved, we coordinate funding directly to your dealer or seller.
What Makes Us Different
We specialize in working with early-stage business owners and understand the unique challenges you face. We accept EIN-only applications in many cases and provide options even when personal credit is limited.
Key Advantages
- Fast approvals, even for new businesses
- Lease and loan options structured for startups
- Low documentation requirements
- Flexible payment terms aligned with your business cycle
- Personal support from real people
Explore More Financing Options
Discover flexible solutions tailored to your industry, budget, and business goals.
Frequently Asked Questions
Can I qualify with bad credit or no business history?
Yes. We offer startup-friendly programs and work with all credit types.
Do I need to be in business for a certain amount of time?
No. We work with newly registered or pre-revenue businesses.
What types of equipment can I finance?
You can finance almost any type of equipment that’s essential to your business. From excavators and skid steers to dump trucks and trailers—we’ve got you covered. There are no age, mileage, or hour restrictions. If it gets the job done, we can finance it.
Can I apply without using personal credit?
Yes. We offer EIN-only financing for many new businesses.
How long does it take to get approved?
Most startup applications are approved in under 24 hours.
