Get the equipment you need, repay it over time
Acquire the equipment your business needs and repay it over an extended period. Advancery matches you with the right financing structure — purchase, lease, or vendor sale — and guides you through funding.
- check_circleFunding up to $5M
- check_circle100% Financing Available
- check_circlePurchase & Leasing Options
Equipment Financing
What is equipment financing?
Equipment financing helps your business acquire the machinery, technology, or vehicles it needs — spanning software, manufacturing, medical, retail, hospitality, automotive, and more — without paying the full cost upfront.
Whether you’re expanding operations, introducing a new product line, or staying competitive with updated equipment, our funding specialists provide guidance and structure financing that fits your business, often with funds available within 24 hours.
- checkFunding across nearly every equipment type and industry
- checkA dedicated advisor guiding your application
- checkFinancing customized to your specific business needs
Good to know: Financing terms vary by equipment type, age, and vendor — your advisor will walk through the structure that best fits your purchase.
Before you apply
What do you need to qualify?
An established operating history helps demonstrate stability to lenders.
A vendor quote or invoice for the equipment you’re financing.
A broader credit range qualifies compared to many conventional loans.
The advantages
Unique benefits of equipment financing
Fund significant equipment purchases in a single facility.
Repayment stretched to match the useful life of your equipment.
Competitive starting rates for qualified businesses.
Cover the full equipment cost without a large upfront payment.
Choose the structure that best fits your business’s balance sheet.
Finance equipment from dealers, manufacturers, or private sellers.
How it works
How it works
You’re just a few clicks away from accessing the capital needed to acquire your equipment.
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Apply Securely
Complete our simplified application in minutes and securely upload your documents.
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Review Your Offers
Evaluate your offers with guidance from a specialist and choose what suits your business.
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Get Funded
Funds are made available so you can acquire the equipment your business needs.
Things you’d like to know
Equipment financing FAQs
How does equipment financing work?expand_more
Rather than covering the entire equipment expense upfront, a lender acquires the equipment on behalf of your business. You then reimburse the total cost, along with interest, through periodic payments — and retain ownership once the term is complete.
How will I benefit from equipment financing?expand_more
You preserve working capital instead of tying it up in a large purchase, spread the cost over time, and can often deduct payments as a business expense. It also lets you upgrade equipment as your business grows.
How do you qualify for business equipment financing?expand_more
Generally, at least a year in business, a vendor quote or invoice for the equipment, and a credit score of 550 or above. Your specific terms depend on your revenue and credit profile.
How long can you finance used equipment?expand_more
Terms for used equipment are generally shorter than for new equipment, since they’re often matched to the equipment’s remaining useful life. Your specialist will confirm what’s available for your specific purchase.
Can I get startup equipment financing with bad credit?expand_more
Credit history is one factor among several — the equipment itself often serves as collateral, which can make approval more accessible than unsecured financing. Speak with a specialist to review your options.
What is the typical term for an equipment loan?expand_more
Most equipment loans run between one and five years, generally aligned with how long the equipment is expected to remain useful to your business.
Ready to apply?
Talk to a funding specialist and find the equipment financing structure that fits your business — no obligation, no pressure.