Skip to main content
Halo Business FinanceSign In
Merchant Services
Get StartedSign In

Equipment Financing & Leasing — 100% Financing Available

Finance or lease new and used business equipment from $10K to $10M+. Construction, medical, manufacturing, and transportation equipment with competitive rates.

Today's rate:from 6.75%
Get Equipment QuoteSchedule Consultation

What Is Equipment Financing?

Equipment financing helps businesses acquire the machinery, vehicles, and technology they need without paying the full cost upfront. Because the equipment itself serves as collateral, qualifying is often easier than with unsecured options, and many borrowers can secure up to 100% financing for both new and used equipment. It works well for construction, medical, manufacturing, and transportation companies that want to preserve cash while putting revenue-generating assets to work.

You repay over a fixed term aligned with the equipment's useful life, with rates that are competitive and vary by lender, credit profile, and equipment type. If you'd rather own your machinery outright, compare equipment loans; for broader needs, a business term loan offers flexible-use funding, or estimate monthly payments first with our loan calculator.

Complete Equipment Financing Solutions

Choose from our comprehensive equipment financing options designed to meet the unique needs of your industry and business.

Equipment financing consultation with business owner
Most Popular

Equipment Loans

6.25%
Starting Rate
Up to $5 Million
Financing Amount
2-7 Years
Terms Available

Traditional equipment financing for new and used business equipment purchases.

100% financing available
New and used equipment
Fixed and variable rates
Fast approval
Learn More
Tax Benefits

Equipment Leasing

Starting at 5.5%
Starting Rate
Up to $10 Million
Financing Amount
2-5 Years
Terms Available

Flexible leasing options that preserve capital and provide tax advantages.

No down payment options
Tax benefits
Upgrade flexibility
End-of-lease options
Learn More
Industrial Focus

Heavy Equipment Financing

6.75%
Starting Rate
Up to $15 Million
Financing Amount
5-10 Years
Terms Available

Specialized financing for construction, manufacturing, and industrial equipment.

Construction equipment
Manufacturing machinery
Agricultural equipment
Transportation fleet
Learn More
Healthcare

Medical Equipment Financing

5.75%
Starting Rate
Up to $3 Million
Financing Amount
3-7 Years
Terms Available

Healthcare-focused equipment financing for medical practices and facilities.

Medical devices
Diagnostic equipment
Practice management systems
Technology upgrades
Learn More

Equipment Types We Finance

We provide financing for a wide range of business equipment across all industries.

Construction Equipment

Manufacturing Machinery

Medical Equipment

Restaurant Equipment

Transportation Vehicles

Computer & Technology

Agricultural Equipment

Office Equipment

Warehouse Equipment

Professional Services Equipment

Why Choose Our Equipment Financing?

Industry Expertise

Deep understanding of equipment values and industry needs across all sectors.

Flexible Terms

Customizable repayment terms that align with your equipment's useful life and cash flow.

Tax Advantages

Equipment financing often provides tax benefits through depreciation and interest deductions.

Equipment Financing Insights

See how we're supporting businesses across industries with specialized equipment financing solutions.

Equipment Financing by Type

Distribution of equipment loans by industry (2026)

*Percentage of total equipment financing volume by equipment type

Construction equipment

Industry Specialization

Deep expertise in equipment values and financing needs across construction, medical, manufacturing, and transportation sectors.

Medical equipment

Flexible Financing Options

From traditional loans to leasing programs, we offer financing structures that match your equipment's useful life and business cash flow.

94%
Equipment Approval Rate
48hrs
Decision Time

Lending Operations Dashboard

Enterprise-grade capital deployment process overview

+18% YoY
$1.5B+
Capital Deployed
+25% YoY
1,500+
Businesses Served
+0.2 pts
4.9/5
Client Satisfaction
-1.8 days
5.2 days
Avg. Processing

Capital Deployment Process

End-to-end workflow from application to funding

Step 1
< 5 min

Application Submission

Streamlined digital application process with intelligent pre-screening and automated validation.

98%
Success Rate
Step 2
24-48 hrs

Risk Assessment

Advanced AI-powered credit analysis with real-time verification and comprehensive due diligence.

15min
Avg Review
Step 3
1-3 days

Decision & Approval

Executive committee review with instant decision notification and detailed terms presentation.

92%
Approval Rate
Step 4
24-72 hrs

Capital Deployment

Secure fund transfer with comprehensive documentation and ongoing relationship management.

$1.5B+
Deployed YTD
1
Application Submission
< 5 min
2
Risk Assessment
24-48 hrs
3
Decision & Approval
1-3 days
4
Capital Deployment
24-72 hrs
5.2 days
Average Time to Fund
25% faster than industry
92%
First-Time Approval Rate
Industry leading
24/7
Digital Access
Real-time updates

Equipment Financing Advantages

100% Financing

No down payment options available for qualified borrowers

Tax Benefits

Potential tax advantages through depreciation and Section 179

Equipment Secured

Equipment serves as collateral, often enabling better rates

New & Used

Finance both new and pre-owned equipment purchases

Equipment Financing vs. Equipment Loan — Which Is Right?

People often use these terms interchangeably, but they answer two different questions. Start with how you want to use the equipment and what you want to do with your cash.

Equipment financing and leasing is the better starting point when flexibility and conserving cash matter most. It covers both new and used equipment, lets you weigh leasing against buying, and helps you keep working capital free while you put revenue-generating assets to work. Leasing in particular suits equipment you may want to upgrade as technology changes, often with lower monthly payments and the option to return, renew, or buy at the end of the term.

If your goal is to own the equipment outright and keep payments predictable, an equipment loan is the more direct fit. You build equity in the asset, the equipment secures the loan, and fixed payments make budgeting straightforward over a term matched to its useful life. And if you need flexible-use funding that is not tied to a specific machine, a general business term loan may be the cleaner choice.

Explore Related Financing Options

Compare financing options to find the best fit for your business needs

$10K–$10M+

Equipment Loans

Fixed-rate equipment purchase financing with predictable monthly payments.

Learn more
$10K–$5M

Equipment Leasing

Lease business equipment with lower upfront costs and potential tax advantages.

Learn more
Up to $5M

SBA 7(a) Loans

The most flexible SBA program with up to $5M for working capital, equipment, and real estate.

Learn more
$50K–$10M+

Heavy Equipment Financing

Specialized financing for construction, mining, and transportation heavy equipment.

Learn more
Business equipment success

Ready to Upgrade Your Equipment?

Our equipment financing specialists are ready to help you acquire the equipment your business needs.

Get Equipment Quote

FAQ

Frequently Asked Questions

Equipment financing is a type of business loan specifically designed to help companies purchase or lease equipment. The equipment itself serves as collateral, making it easier to qualify. You receive funds to buy the equipment, then repay with fixed monthly payments over 2-7 years while using the equipment to generate revenue.

Almost any business equipment can be financed including construction machinery, manufacturing equipment, medical devices, restaurant equipment, technology hardware, vehicles, agricultural equipment, office furniture, and more. Both new and used equipment typically qualify for financing.

Equipment loans let you own the equipment outright after repayment, building equity in assets. Equipment leasing lets you use equipment with lower monthly payments and flexibility to upgrade, but you don't own it unless you exercise a purchase option. Leasing often provides better tax benefits through deductible payments.

Requirements typically include 1+ years in business, $100K+ annual revenue, credit score of 600+, and a clear purpose for the equipment. Since the equipment serves as collateral, requirements are often less strict than unsecured loans. Startups may qualify with stronger personal credit or additional collateral.

Equipment financing amounts typically range from $10,000 to $5 million or more, depending on the equipment value and your business qualifications. Most lenders finance up to 100% of equipment cost for well-qualified borrowers, with some requiring 10-20% down payment.

Equipment financing rates currently range from 5.5% to 15% depending on credit profile, equipment type, and loan term. Top-tier borrowers with strong credit can secure rates starting around 5.5-7%, while businesses with less established credit may see rates of 10-15%. Leasing rates are often slightly lower than loan rates.

Many equipment financing applications receive a credit decision within 24-48 hours, and funds are often disbursed within a few business days once documentation is complete. Smaller, well-documented requests move fastest. Having your equipment quote, recent bank statements, and business tax returns ready is the best way to speed up approval.

Often, yes. Because the equipment itself serves as collateral, requirements are usually less strict than for unsecured loans. Newer businesses or those with limited credit may still qualify with stronger personal credit, a larger down payment, or additional collateral. Rates for less-established borrowers tend to be higher to reflect the added risk.

Still have questions? Our loan experts are here to help.

Contact UsStart Your Application

Site Footer

Halo Business Finance logo

Nationwide commercial loan marketplace offering streamlined loan processes for SBA, commercial real estate, and equipment financing.

Stay Informed

Get the latest financial insights and market updates.

Company

  • Company Overview
  • How It Works
  • Contact Us
  • Careers

Loan Programs

  • SBA 7a Loans
  • SBA 504 Loans
  • Bridge Loans
  • Conventional Loans
  • USDA Loans
  • Equipment Financing
  • Working Capital Loan
  • Business Line of Credit

Partner With Us

  • Brokers Sign Up
  • Broker Resources
  • Lender Sign Up
  • Partnership Benefits
  • Referral Partners
  • Earn Referral Commissions

Resources

  • Loan Calculator
  • Industry Solutions
  • SBA Resources
  • Market Insights

Support

  • Customer Service
  • Technical Support
  • Security & Data Protection
Halo Business Finance Corp BBB Business Review
Follow Us:
Company LicensesNMLS ComplianceCFIPAPrivacy PolicyTerms of Use
256-Bit SSL Encryption
SOC 2 Compliant
DFPI Licensed Lender
NMLS Registered
Equal Opportunity Lender

Halo Business Finance is a direct CRE & equipment lender providing commercial financing solutions to businesses nationwide.

DFPI CFL License No. 60DBO-178064. California Commercial Financing Law disclosures available upon request.

NMLS ID: 2272778. Commercial Loan Marketplace. Loan programs subject to credit approval and terms may vary by lender.

© 2026 Halo Business Finance. All rights reserved.
Accessibility|Site Map