Equipment Financing

Need equipment to grow your business? Learn how equipment financing works and get pre-qualified for business equipment loans or leases—fast, with no hard credit pull.

Get the Tools to Power Your Business

Explore Equipment Financing Options and Get Pre-qualified

Finance the Equipment You Need—Without Draining Your Cash Flow

From food trucks to forklifts, every business needs the right tools to operate and grow. But equipment can be expensive—and buying outright isn’t always practical. That’s where equipment financing comes in.

At Smarter Business Funding, we help small business owners secure equipment loans and leases that fit their needs and budget—without the delays, confusion, or pressure.

If you’re ready to invest in growth, but want to keep cash on hand, equipment financing may be your best next move.

Learn more from this SBA Guide to Equipment and Asset Loans

What You’ll Need to Qualify

Most equipment financing is based more on the value of the equipment than your credit—but you’ll still want to be prepared. Common requirements include:

  • Basic business info and EIN

  • 6+ months in business (some lenders accept newer)

  • Bank statements or proof of revenue

  • Equipment quote or invoice

  • Personal credit score (minimum 600–650 preferred)

Get prepped with this equipment financing checklist from Fundera

Equipment Financing Options

We help match you with lenders offering flexible financing for nearly any industry or asset, including:

  • Heavy machinery (construction, agriculture, etc.)

  • Medical or dental equipment

  • Restaurant equipment and food trucks

  • Office tech & computers

  • Commercial vehicles

  • Manufacturing or production equipment

You’ll choose between:

  • Equipment loans – You own the equipment after payoff

  • Equipment leases – Lower upfront cost, great for upgrades

Learn about lease vs. loan options from Investopedia

Who This Is For

Equipment financing is a great fit for:

  • Trades and construction companies

  • Restaurants, food services, and caterers

  • Healthcare and dental practices

  • Manufacturers or fabricators

  • Transportation and delivery businesses

  • Any business ready to scale operations with better tools

Let’s Find Your Equipment Financing Fit

You’re not applying for anything today—just getting pre-qualified.

Take 2 minutes to share what your business needs, and we’ll match you with trusted equipment lenders or leasing partners that fit your timeline and goals.

Get Pre-qualified Today!