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Entity, amount, use of funds. Soft inquiry to start.
What it is
Equipment financing uses the asset as part of the credit. Terms often follow useful life more closely than a short-term working-capital note. A down payment, a vendor invoice, and proof the equipment is insurable are typical asks.
Used equipment, specialty gear, and software-heavy packages are underwritten differently than a common truck or a standard oven line.
Who it fits
Operators buying an asset that will produce. It is not a workaround for a cash-flow hole unrelated to the equipment. If the machine is already on a lease, say so — refinancing is a different file.
Process
Review
Deposits, obligations, and whether this structure is even in scope.
Get funded
Written terms before a signature, if a source can underwrite it.
When it fits
When the asset is the plan — trucks, machines, medical equipment — and the payment should follow the asset life.
When it does not
Working-capital gaps dressed up as equipment, or assets you will not own or control.
Who typically qualifies
About six months operating, ~$15k+ monthly deposits, personal credit near 500+. Vendor quotes help. Frames, not guarantees.
Eligibility snapshot
A starting frame — not a decision.
Time in business
Often around six months or more of operating history.
Revenue
A common conversation starts near $15,000 in monthly deposits.
Credit
Personal credit around 500 or higher is a typical starting mention.
Read this before you prefer this product
Ask about down payment, residual, who holds title, and what happens if the asset is sold early.