Equipment Financing Resources for Small Business Owners
If you're not sure where to begin, this quick overview walks you through the fundamentals of how equipment financing works, what your options are, and how to apply without hurting your credit.
Get Pre-ApprovedStart Here – What Is Equipment Financing?
Whether you're new to business financing or looking to expand your understanding of equipment loans and leases, this resource hub is built to help you make confident, informed decisions.
At Smart Business Credit, we believe the best financing starts with transparency. Here, you’ll find easy-to-follow guides, tools, and answers to common questions — all tailored for small business owners, startups, and first-time buyers.
Popular Resources & Guides
Frequently Asked Questions
What I Need to Apply
- Basic business info (legal name, EIN, time in business)
- Equipment details (invoice, auction link, seller contact)
- Personal info for soft credit check
- Bank statements or proof of income (only in select cases)
We’ve removed the red tape to make approvals fast and easy.
Can I apply without a business credit history?
Yes. We work with startups and first-time business buyers.
Does applying affect my credit?
No. We use a soft credit pull during the pre-approval process.
Do you finance equipment from private sellers?
Absolutely. You can buy from a dealer, auction, or individual.
How long does it take to get approved?
Most approvals are issued within 24 hours.
Do I need a down payment?
Not always. We offer low-down-payment and deferred programs.
Financing Categories You Can Explore
Choose a path based on your industry or equipment need:
