Used equipment financing
Why Finance Used Equipment?
Used equipment often delivers the same performance and durability as new machines — at a significantly lower price. Financing lets you preserve your working capital while spreading costs over time.
Common use cases include:
- Used construction equipment (excavators, skid steers, dump trucks)
- Pre-owned trucks and trailers for transportation businesses
- Refurbished farming machinery and ag implements
- Second-hand medical, dental, or office equipment
- Restaurant equipment purchased from other business owners or auctions
Financing used equipment allows you to act fast on great deals and build your operation without large upfront costs.
Who We Work With
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We help small businesses and startups across a range of industries, including: Construction contractors and site developers Independent owner-operators and fleet buyers Farmers and ag businesses Restaurant and food service startups Clinics, labs, and medical practices Service-based entrepreneurs Whether you're growing an existing operation or buying your first machine, we’ll match you with a program that fits your goals.
Where You Can Buy
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We finance used equipment from: Private party sellers Auctions (in-person or online) Equipment dealers and resellers Rental fleet liquidations If you're unsure whether a seller qualifies, just send us the details — our team will review and let you know within hours.
Used Equipment Financing Options
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Equipment Loans Own the equipment from day one with a fixed-rate loan. Ideal for long-term assets with extended useful life. Lease-to-Own Start with lower payments and purchase the equipment at the end of the lease term. This is helpful if you want to preserve cash flow or upgrade later. Auction Pre-Approvals Get financing in place before bidding. We can pre-approve you so you’re ready to win the equipment you want at auction.
How It Works
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Step 1: Apply Online Submit your application in minutes — no hard credit check required. Step 2: Get Approved Fast Most deals are approved in under 24 hours. We work with all credit types. Step 3: Finalize and Fund
Why Businesses Choose Smart Business Credit
- No hard credit pull to apply
- Startup-friendly and flexible approvals
- Loans starting from $20,000 and up
- Private seller and auction purchases approved
- Fast decisions — often same day
- Personalized support throughout the process
We’ve helped hundreds of businesses get the pre-owned equipment they need to grow — and we’re ready to help you too.
Related Financing Programs
Explore other types of financing that may support your business goals:
Frequently Asked Questions
Can I finance equipment from a private seller?
Yes. We finance equipment from individuals and businesses, not just dealers.
Do you offer auction financing?
Yes. We provide pre-approval so you can bid with confidence.
Can I qualify with low or limited credit?
We work with all credit backgrounds and evaluate your business as a whole.
Is there a minimum equipment age?
Generally, the equipment must be in good working condition and under 15 years old.
How much can I borrow?
We finance equipment purchases from $5,000 up to $500,000 or more.
