Equipment Financing
Equipment Financing Without Draining Your Cash Flow
What is Equipment Financing?
Equipment financing is a specialized business loan designed to help you purchase or lease the machinery, vehicles, technology, and equipment your business needs to operate and grow. Unlike traditional business loans, equipment financing uses the equipment itself as collateral, which often results in better rates and higher approval odds. These loans can finance up to 100% of the equipment cost, allowing you to preserve working capital for other business needs. Loan amounts typically range from $5,000 to $5 million or more, with repayment terms structured to match the useful life of the equipment, usually 1 to 10 years.
Equipment financing works for virtually any business asset: construction machinery, manufacturing equipment, medical devices, restaurant equipment, commercial vehicles, technology and computers, office furniture, and more. Both new and used equipment qualify, giving you flexibility to acquire what your business needs at a price point that fits your budget.
Benefits of Equipment Financing
Preserve Cash Flow
Finance up to 100% of equipment cost instead of paying cash upfront. Keep working capital available for payroll, inventory, and operations.
Tax Advantages
Section 179 deduction allows you to deduct the full purchase price of financed equipment. Monthly payments may also be tax-deductible business expenses.
Easier Approval
Equipment serves as collateral, reducing lender risk. Often easier to qualify for than unsecured business loans, even with fair credit.
Flexible Terms
Repayment terms match equipment lifespan (1-10 years). Choose from fixed or variable rates, seasonal payment structures, and lease-to-own options.
Fast Funding
Quick approval process with funding in as little as 24-72 hours for qualified applicants. Get the equipment you need without lengthy delays.
Build Business Credit
On-time payments build your business credit profile, making it easier to qualify for additional financing in the future at better terms.
How Equipment Financing Works
1. Get a Quote – Choose your new or pre-owned equipment and get a vendor quote.
2. Apply Online – Submit a quick application, it only takes a few minutes.
3. Get Approved Fast – Receive approval within 24–48 hours.
4. Make Easy Payments – Fixed or flexible monthly payments for 1–10 years.
Why Small Business Owners Choose EQUIPMENT FINANCING
🟢 Virtually Any Business Asset Qualifies: New or Pre-owned
🟢 Up to 100% Financing: Cover the full cost of the equipment plus delivery, setup, and training
🟢 Preserve Cash Flow: Keep your working capital free for operations and emergencies
🟢 Tax Benefits (Section 179): Deduct the full purchase price in the first year and write off interest payments
🟢 Flexible Payments: Fixed or flexible payment terms (1–10 years) with monthly, quarterly, or seasonal options designed around your cash flow
🟢 Ownership: Once you’ve made all payments, the equipment is yours, no hidden fees or buyouts
Examples of Equipment We Finance
Commercial Vehicles
Trucks, vans, trailers, fleet vehicles, delivery vehicles
Technology & Computers
Servers, workstations, networking equipment, software systems
Office Equipment
Copiers, printers, furniture, phone systems, security systems
Agricultural Equipment
Tractors, harvesters, irrigation systems, livestock equipment
Construction Equipment
Excavators, bulldozers, backhoes, loaders, cranes, dump trucks
Manufacturing Equipment
CNC machines, lathes, presses, conveyors, packaging equipment
Medical Equipment
Diagnostic machines, surgical equipment, dental chairs, imaging systems
Restaurant Equipment
Commercial ovens, refrigeration, food prep equipment, POS systems
Fitness Equipment
Commercial gym equipment, cardio machines, weight systems
Salon & Spa Equipment
Styling chairs, treatment beds, laser equipment, dryers
Printing Equipment
Commercial printers, bindery equipment, digital presses
HVAC Equipment
Heating systems, cooling units, ventilation equipment
Call 805-819-ROCK or tap “Apply Now” to get started
Equipment Loan vs. Equipment Lease
Equipment Loan
⚫ You own the equipment outright
⚫ Can claim depreciation and Section 179 deduction
⚫ Build equity with each payment
⚫ No return or buyout required at end of term
⚫ Best for equipment you'll use long-term
⚫ Fixed monthly payments with set end date
Equipment Lease
⚫ Lender owns equipment, you use it
⚫ Lower monthly payments than loans
⚫ Upgrade to newer equipment at lease end
⚫ 100% tax-deductible monthly payments
⚫ Best for equipment that becomes outdated quickly
⚫ Options to purchase, return, or upgrade at end of term
FAST, EASY, RELIABLE
10,000+
Business Served
$2 billion+
Funds Delivered
Customer Reviews
Frequently Asked Questions (FAQ)
1. What credit score do I need to qualify?
Most programs start around a 600 credit score, but Rockvale Funding also offers flexible approvals for newer businesses or those rebuilding credit.
2. Can I finance used equipment?
Yes! You can finance both new and pre-owned equipment, as long as it’s in good working condition and purchased from a reputable vendor.
3. How long are the repayment terms?
Terms typically range from 12 to 120 months (1–10 years) depending on the equipment’s cost and your business’s needs.
4. Do I need to provide collateral?
No separate collateral is needed, the equipment itself serves as the collateral, making approvals faster and simpler.
5. Can I include delivery and installation costs?
Absolutely. Rockvale Funding can often finance “soft costs” like delivery, setup, warranties, and training, so you can start using your equipment right away.
6. How long does it take to get approved?
Most applicants receive approval within 24 to 48 hours, and funding can be released within just a few days.
7. What industries qualify for equipment financing?
From construction and healthcare to salons, auto shops, and grocery stores, if your business uses equipment to operate, we can help you finance it.
8. Do I need a down payment?
Many deals require no down payment with strong credit. Others require 10-20% down depending on credit profile and equipment type.
9. Can I pay off the loan early?
Most equipment loans allow early payoff, though some lenders charge prepayment penalties. We help you find lenders with flexible prepayment terms.
10. Can I finance equipment from any vendor?
Yes! You can purchase from any vendor, manufacturer, or dealer. Some lenders even finance private party sales with proper documentation.
TRUSTED PARTNERS
