Equipment Financing
Finance new or used business equipment and preserve your working capital
Equipment financing allows businesses to secure the tools and technology they need to grow without depleting working capital. The equipment itself serves as collateral, which typically results in competitive rates and preserves liquidity for other operational needs.
Two primary structures are available. A capital lease is structured for ownership, with a low buyout option at the end of the term. An operating lease provides lower monthly payments but requires return of the equipment or purchase at fair market value at lease end. The right structure depends on whether the business plans to own the equipment long term or prefers flexibility to upgrade as technology evolves.
Established Businesses and Growing Ones
Whether the business is established or growing, i95 Capital works to identify the right financing structure for the situation. Equipment financing is well suited for any new or used asset that is essential to daily operations, from manufacturing equipment and commercial vehicles to technology and medical devices.
Flexible Terms to Maximize Your Opportunity
Financing Size
Up to $20M
Financing Term
Up to 60 months
Down Payment
0% to 25%
Types of Equipment We Finance
- Manufacturing equipment
- Large vehicles, trucks
- Medical equipment
- Construction equipment, heavy equipment, tractors
- Business equipment, copiers, computers
- Farm equipment
- Logistics systems
How Lenders Evaluate Equipment Financing Requests
Equipment financing underwriting focuses on three primary factors: the creditworthiness of the borrowing business, the value and useful life of the equipment being financed, and the business’s ability to generate sufficient cash flow to service the payments. Because the equipment serves as collateral, lenders are more willing to work with businesses that have limited credit history than they would be for unsecured financing.
Time in business and business credit profile are the most common approval drivers. Established businesses with clean banking history, consistent revenue, and a strong business credit profile typically qualify for the most competitive rates and the highest advance rates. Newer businesses may qualify with stronger personal credit, a larger down payment, or both. The equipment type also matters. Assets with strong resale value and broad market demand are financed more aggressively than specialized equipment with limited secondary market liquidity.
For larger equipment transactions, lenders may also review business tax returns, bank statements, and financial statements to verify revenue and cash flow. Organizing this documentation in advance can accelerate the approval process and improve the quality of offers received.
How Does Equipment Financing Work?
After processing your Equipment Financing application, our advisors will send you the best available offers. Your offers will include the financing amount, the financing term, the down payment where applicable, and the payment amount and schedule.
You select your preferred equipment financing offer and send it back to your i95 Capital advisor.
You receive approval within a few hours, often the same day, and enjoy the flexibility your new equipment provides today while paying for it over time.
How to Get Started with Equipment Financing?
Apply on Your Own
- Start the application process by completing the online equipment financing application and submitting copies of your last 3 business bank statements.
- The application is easy and without commitment.
Or, we can assist
- Complete our contact form and select Financing Assistance in the Inquiry Type, and a representative will call you promptly. i95 Capital assists you every step of the way.
Either way, after receiving your completed financing application, our advisors will promptly review the information and documents you included and submit the file for processing.
