Equipment Financing
Buy the machinery, vehicles, or gear your business needs without draining cash — the equipment itself secures the financing. Get matched with lenders, free to apply, no hard credit pull.
Start your match
Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
How equipment financing works
Equipment financing pays for a specific asset — a vehicle, machine, or piece of gear — and the equipment itself serves as collateral. Because the lender can recover the asset if needed, approval is often easier and rates can be more favorable than unsecured funding.
What it's used for
- Vehicles, trucks, and trailers
- Manufacturing and shop machinery
- Medical, dental, and salon devices
- Restaurant and kitchen equipment
- Technology and POS systems
Why businesses choose it
- Keeps working cash free for operations
- Easier approval since the equipment is collateral
- Predictable fixed payments
- New and used equipment both qualify
What lenders look at
- The type and value of the equipment
- Monthly revenue
- Time in business — the asset itself reduces risk, which can help borrowers with weaker credit
Equipment financing with bad credit
Because the equipment itself secures the financing, lenders take on less risk — which means approval is often possible with credit that wouldn't qualify for an unsecured loan. New or used, the asset acts as collateral, so strong, steady revenue can outweigh a lower score and unlock better terms.
Financing by equipment type
Restaurant equipment (ovens, refrigeration, POS), auto-shop lifts and diagnostic scanners, salon and medical devices, trucks and trailers, and construction machinery are all commonly financed this way. Whatever the asset, it serves as its own collateral — which is what keeps approval accessible even for newer or lower-credit businesses.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Working capital loans cover payroll, inventory, and day-to-day costs. Compare offers from our network of lenders with no hard credit pull.
Funding for trucking companies and owner-operators — working capital, equipment, and cash-flow help. Compare lenders with no hard credit pull.
Funding for auto repair shops and mechanics — buy equipment, stock parts, and cover slow seasons. Compare offers from our network of lenders, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
