Financing
Equipment financing
Finance the machine and let it pay for itself
The equipment secures the financing, so rates run lower and terms run longer than unsecured capital. New or used, from a dealer or a private sale.
At a glance
- Amount
- $5,000 – $1,000,000
- Term
- 12 – 72 months
- Speed
- Approval in hours, vendor paid in 1 – 3 days
- Cost
- Fixed monthly payment, equipment as collateral
Best for: Trucks, kitchen lines, lifts, imaging, machinery, POS and IT builds
Eligibility
Who qualifies
| Criteria | What we typically look for |
|---|---|
| Time in business | Typically 6–12 months |
| Personal credit | Typically 600+ |
| Documentation | Equipment quote or invoice |
Pricing
What it costs
Fixed monthly payments over the term, typically 2–5 years.
The rate depends on your credit, the equipment's age and the term, and is disclosed before you sign.
How it works
How equipment financing works with Fuse
Send the vendor quote or invoice with your application.
We approve against the equipment value and your revenue.
You choose the term and the down payment, if any.
We pay the vendor directly and you take delivery.
What you need
- 6+ months in business
- Vendor quote or invoice
- 600+ FICO preferred
- Equipment used in your business
A good fit when
- The asset directly generates revenue
- You want to preserve cash for operations
- You prefer a long, low, fixed monthly payment
Probably not when
- You need general-purpose working capital
- The equipment has little resale value
- You want to fund soft costs like payroll
Questions
Equipment financing FAQs
New vs used equipment?
Both can be financed. Used equipment may carry a shorter term or a higher rate depending on its age and condition.
Loan vs lease?
With a loan you own the equipment from the start. With a lease you use it for a set period and may have a buyout option at the end.
How much can I finance?
Typically up to the value of the equipment, based on the quote or invoice and your credit profile.
How fast?
Decisions typically come within days once we have your application and the equipment quote.
Do I need a down payment?
Sometimes. Stronger credit and newer equipment can reduce or remove it; your offer will state it upfront.
Equipment financing vs cash advance for the same purchase?
Equipment financing is usually cheaper and spreads cost over the equipment's useful life. A cash advance is faster and more flexible, but typically costs more.
Can I finance used equipment?
Yes. Age and condition affect the term and the down payment, and private-party sales need a bill of sale plus a title where applicable.
Do I own it at the end?
On a finance agreement, yes — title transfers to you once the balance is satisfied. Lease structures are also available if you would rather upgrade at term end.
Related reading
Keep reading
Other options
Not quite the right tool?
We place six products. If another one fits your situation better, we will say so.
Working capital, without the waiting room
One short application, three bank statements, and a decision the same business day. Applying will not affect your credit score.