Equipment Financing

Own or Lease the Tools You Need to Grow—Without the Upfront Cost

Equipment Financing allows you to purchase or lease essential machinery, vehicles, or technology for your business with little to no upfront payment. Spread out the cost over time while using the equipment to generate revenue.

Key Features

  • Finance up to $10 million per piece of equipment

  • Terms from 1 to 10 years

  • Interest rates starting at 3.5% (SBA) or 7–15% standard

  • Monthly repayment terms

  • Quick approvals in 1–2 business days

  • Asset used as collateral—may reduce interest rate

  • Requires 475+ credit score and 6+ months in business

How It Works

Once approved, the lender pays the vendor directly and you begin making regular payments over your term. At the end, you may own the equipment outright or have the option to purchase it.

Arizona Business Owners

Luis owns a growing bakery in Chandler, Arizona. To triple production capacity, he needed a $75,000 commercial oven. Rather than depleting his cash reserves, he financed the equipment and locked in a low rate—boosting productivity while keeping cash flow intact.

A customer paying with a card at a store counter, with a cashier standing nearby and a plate of pastries covered with a glass dome on the counter.

Get Started Today

Don’t let equipment costs slow your growth. Discover how financing can help your Arizona business scale efficiently.