Equipment Financing
Financing tied to specific business equipment (vehicles, machines, tools) to support growth and productivity.
Safer-first recommendations
Deal protection built-in
Partner-ready packets
Best for
SMBs needing capital aligned to a clear purpose and repayment capacity.
Benefits
- Aligns financing to an asset that supports revenue
- May preserve working capital compared to paying cash
- Useful for vehicles, machines, specialized tools
- Can be easier to justify with ROI logic
How it works
- Define the equipment and expected ROI (time to pay back)
- Estimate monthly payment and compare to safe payment range
- Confirm vendor, invoice, and delivery timelines
- Ensure insurance/maintenance costs are included in planning
Risk flags / when to avoid
- Payment pressure if equipment doesn’t generate expected ROI fast enough
- Maintenance and downtime can harm cash flow
- Don’t over-leverage if margins are thin
FAQ
Does the equipment matter?
Yes. Asset type and condition can affect terms.
Is this better than a term loan?
Sometimes—because it’s asset-backed—but depends on the full picture.
Can I finance used equipment?
Often yes, terms vary.
What about vehicles?
Many programs support trucks and work vehicles; partners vary.
Any guarantees?
No. Terms vary by partner.
Ready to review options?
Request a review and we’ll respond with next steps and a partner-ready packet.
Disclosures
- Not a lender: Financial Catapult is not a bank or lender.
- Third-party offers: Funding and processing options may be offered by third-party partners. Terms vary.
- No guarantees: Eligibility, terms, and approvals are not guaranteed.
- Not advice: Content is for informational purposes and is not financial or legal advice.
- Privacy: Information submitted is used to respond to your request and improve our service.