Equipment Financing: Repair, Replace or Upgrade Before Downtime Costs More
Machinery, vehicles and technology do not have to fail before they are replaced. Equipment financing lets a business upgrade on its own timeline, before downtime and repairs cost more than the upgrade itself.
Apply directly with us. More reasons to get funded
What is equipment financing?
Equipment financing is capital used to buy, replace, repair or upgrade machinery, vehicles, point-of-sale systems, software and other business equipment. It is an equipment loan or lease, so you choose the equipment, the vendor and the timing.
Equipment financing is provided through our specialized equipment finance partners. Apply directly with us and you work with us. Timelines usually run about 5 business days, and terms are usually up to 10 years.
- Replace aging equipment before it fails
- Repair or upgrade what slows you down
- Choose your own equipment and vendor
- Spread the cost over a longer term
What equipment can you finance?
Construction equipment
Excavators, skid steers, tractors and more.
Commercial vehicles
Box trucks, vans and trailers.
Restaurant equipment
Refrigeration, ovens and kitchen equipment.
Manufacturing machinery
CNC machines, presses and production lines.
Medical and dental equipment
Imaging, chairs and clinic equipment.
Technology and POS systems
Computers, point-of-sale systems and software.
Is it time to upgrade?
Nothing is submitted here. It is just a fast way to see whether this fits your situation.
Weigh your options
- Equipment financing is available through our partners, not in house. Your funding specialist will confirm terms, pricing and requirements for your situation.
- Terms are usually up to 10 years, and timelines usually run about 5 business days.
- Because it takes a few days, equipment financing is not an overnight fix for an unexpected breakdown.
- See how the numbers work on Transparent Terms.
Tell us what you need
Share the equipment you want and a few business details.
Partner review
Our specialized equipment finance partners review the request. This usually takes about 5 business days.
Get your equipment
Choose your equipment, vendor and timing, and put it to work.
Your questions, answered
Can I get equipment financing with Smart Business Funding?
Yes, in a flexible way. We have specialized equipment finance partners, which gives you working capital you can use to buy, replace, repair or upgrade business equipment. It is an equipment loan or lease, so you choose the equipment, the vendor and the timing. Apply directly with us and you work with us.
How long does equipment financing take?
It usually takes about 5 business days.
How long are the terms?
Terms are usually up to 10 years.
What equipment can I finance?
Machinery, vehicles, point-of-sale systems, software and other business equipment. See our Equipment Financing page for examples.
Do I need good credit?
Your funding specialist will review your full profile and confirm requirements with our equipment finance partners.
Is equipment financing in house?
No. It is provided through our specialized equipment finance partners.
Related guides and pages
Ready to get started?
Apply directly with us, and a funding specialist will guide you from application to funding.
Equipment financing is provided through our specialized equipment finance partners. Terms, timing and eligibility depend on your business and are subject to approval. Images are illustrative.
