Follow Us
Don’t Lease It, Own It
"*" indicates required fields
Equipment Financing is a flexible financing option that lets you purchase the machinery, vehicles, technology, or tools your business needs without paying the full cost upfront. Instead of draining your cash reserves on a single large purchase, you spread the expense over time while the equipment starts earning for your business right away.
What sets Equipment Financing apart is that the equipment itself usually serves as the collateral for the loan. Because the lender can recover the asset if payments stop, approval is often faster and easier than unsecured financing, and you can frequently fund up to 100% of the equipment cost.
Unlike general-purpose funding, equipment financing is tied directly to an asset with real resale value. A well-structured equipment loan lets you:
This makes Equipment Financing one of the most accessible and cost-effective ways for businesses to get the tools they need now and pay for them over the equipment’s useful life.
Equipment Financing works by letting you borrow against a specific piece of equipment rather than taking a general lump sum. That asset-based structure is what makes approval faster and terms more favorable than many other loan types.
The process starts when you identify the equipment you need and provide a quote or invoice from the vendor. You then apply with a bank, equipment lender, or online financing partner, who reviews your business revenue, time in operation, credit profile, and the value of the equipment to set your loan amount and rate. Because the equipment backs the loan, lenders can often approve financing for up to 100% of the equipment cost.
Once approved, funds are sent to pay for the equipment, often within 24 hours with a streamlined partner like Committed to Capital, and you begin using the asset immediately. You then repay in fixed installments over a term usually matched to the equipment’s expected working life, so you’re never still paying for a machine long after it stops serving your business.
For example, if you finance an $80,000 commercial vehicle, the loan is secured by that vehicle, your payments are fixed and predictable, and the term aligns with how long the vehicle will realistically be in service. Once the loan is paid off, you own the equipment outright. In short, Equipment Financing lets you put essential equipment to work today while preserving your cash flow for the rest of your operation.
Banks may offer lower rates on paper, but their approval process is built for businesses that don’t need their equipment quickly. Here’s how we compare:
Clients Satisfaction
Finance up to 100% of your equipment cost, preserving cash for payroll, inventory, and operations.
The equipment serves as its own collateral, which means faster approval and more accessible terms.
Repayment is matched to the asset's lifespan and usage, so you pay for the equipment as it earns.
With Equipment Financing, you borrow to buy the equipment and own it outright once the loan is repaid. Every payment builds toward ownership, and you keep the asset’s residual value. This is the better choice for equipment with a long useful life that you intend to keep.
With leasing, you pay to use the equipment for a set period without owning it. At the end of the lease you typically return it, renew, or buy it out. This can suit fast-depreciating technology you expect to replace often.
Equipment Financing is one of the most practical tools for acquiring the assets that keep a business running and growing. Here are the most popular ways business owners put it to work:
Take on bigger jobs without tying up cash, then pay as projects generate revenue.
Keep commercial trucks, vans, and trailers current and on the road without a large upfront outlay.
Adopt POS systems, servers, and software now and pay for them over their useful life.
Fund ovens, refrigeration, and prep equipment while preserving cash for inventory and staff.
Make imaging machines, chairs, and specialized tools accessible while they start serving patients.
Upgrade machinery to boost output without halting production or draining reserves.
When critical equipment fails, finance a fast replacement so operations never stall.
Fund HVAC units, salon stations, auto-shop lifts, and other trade-specific tools.
Get a quote or invoice from your vendor so we know exactly what we're financing.
We match your profile and the equipment value to the right amount, rate, and term, often with up to 100% coverage.
Once approved, funds are released, you put the equipment to work immediately, and you repay on a fixed schedule.
If your industry isn’t listed, contact us we work with virtually every legitimate small business sector.
Not every applicant fits every program, but with our network of lending partners, we can often match you to Equipment Financing even if you’ve been declined elsewhere.
Equipment financing is a business loan used to buy machinery, vehicles, technology, or tools, where the equipment itself serves as the collateral. Committed to Capital offers equipment financing that can cover up to 100% of the cost, so you can get the equipment you need now and pay for it over time instead of draining your cash reserves.
With Committed to Capital, you can get a same-day decision and funding in as little as 24 hours once approved. That’s far faster than the 30 to 60 day timeline typical of traditional banks, because Committed to Capital reviews your business on revenue and the equipment’s value rather than lengthy paperwork.
Yes, in many cases. Because the equipment secures the loan, Committed to Capital can often finance up to 100% of the cost, though the exact amount depends on your business profile and the asset. This lets you preserve working capital for payroll, inventory, and daily operations.
Committed to Capital accepts credit scores starting at 500+ FICO for equipment financing. A higher score can unlock better rates and larger amounts, but approval is revenue-based and weighs more than 50 factors, so a lower score alone won’t necessarily disqualify you.
With equipment financing from Committed to Capital, you’re buying the equipment, so you own it outright once the loan is repaid. That’s the key difference from leasing, where you only pay to use equipment you never own. Financing is the better fit for assets you plan to keep for years.
You can finance almost any business-essential asset, including construction machinery, commercial vehicles and fleet, POS systems and technology, medical and dental equipment, restaurant kitchens, HVAC units, and trade-specific tools. Committed to Capital works across nearly every industry to fund the equipment your business runs on.
