Upgrade Your Equipment Without Draining Your Cash

Finance the machinery, vehicles, and technology your business needs to grow -- with terms that fit your budget.

$125,000

Avg. Equipment Loan Amount

85%

Approval Rate

2-5 Days

Funding Speed

12-84 Mo.

Term Lengths Available

What Is Equipment Financing?

Equipment financing allows small and mid-sized businesses to acquire the tools, machinery, vehicles, and technology they need without paying the full cost upfront. Instead of depleting working capital on a major purchase, you spread the expense over predictable monthly payments while putting the equipment to work immediately. This type of funding is particularly well-suited for businesses in trades like auto repair, plumbing, electrical work, and food service, where specialized equipment is essential to daily operations. The equipment itself often serves as collateral, which means approval rates tend to be higher and interest rates lower compared to unsecured financing. Whether you need a commercial oven for your restaurant, diagnostic tools for your repair shop, or a fleet vehicle for your contracting business, equipment financing bridges the gap between what you need now and what your cash flow can absorb over time. Many lenders offer terms ranging from 12 to 84 months, and some programs include options to upgrade or return equipment at the end of the term. For businesses that rely on keeping their tools current -- such as technology firms, medical practices, and construction companies -- this flexibility can be a significant competitive advantage. The application process is typically straightforward: provide details about the equipment, your business financials, and your operating history, and you can receive a decision within 24 to 48 hours.

Key Benefits

Preserve Working Capital

Keep cash in your operating account for payroll, rent, and unexpected expenses instead of tying it up in a single large purchase.

Equipment Acts as Collateral

The asset you are financing secures the loan, which often leads to lower interest rates and higher approval odds than unsecured options.

Tax Advantages Under Section 179

Many businesses can deduct the full purchase price of qualifying equipment in the year it is placed in service, reducing your taxable income.

Predictable Monthly Payments

Fixed payment structures make it easy to budget and forecast, eliminating surprises in your monthly cash flow.

Stay Competitive With Current Technology

Avoid falling behind competitors by acquiring the latest tools and machinery without waiting until you can afford to pay cash.

How It Works

1

Tell Us What You Need

Fill out a short application describing the equipment you want to purchase or lease, including vendor quotes if you have them.

2

Get Matched With Lenders

We review your business profile and connect you with lenders who specialize in equipment financing for your industry.

3

Review Your Offers

Compare term lengths, interest rates, and monthly payment options from multiple lenders -- no obligation to accept.

4

Get Funded and Start Using Your Equipment

Once you accept an offer, funds are sent directly to the vendor and your equipment is delivered so you can start generating revenue.

Eligibility Requirements

  • Business operating for at least 6 months
  • Minimum monthly revenue of $8,000
  • Equipment must have a clear business use
  • Vendor quote or invoice for the equipment
  • No open bankruptcies
  • U.S.-based business with a valid EIN
We needed a second diagnostic lift to keep up with demand but could not afford $40K out of pocket. Brevo Capital matched us with a lender in two days, and the payments are less than what we bring in from one extra car per week.
Marcus T. Precision Auto Care, Houston, TX

Equipment Financing FAQs

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Apply in minutes. Our lending partners specialize in this type of funding and can get you approved fast.

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