Finance the Tools That Drive Your Revenue
From heavy machinery to restaurant equipment to fleet vehicles — SBA 7(a) equipment loans let you acquire the assets you need to grow without depleting working capital. Up to $5M, 10-year terms, and competitive rates.
Equipment Financing Benefits
Structured specifically for businesses investing in income-producing equipment and machinery.
New & Used Equipment
Finance brand-new equipment or quality used assets. Used equipment must be appraised and in working condition.
Soft Costs Included
Shipping, installation, training, and extended warranties can all be rolled into the loan amount.
Fleet Financing
Finance an entire fleet of vehicles, forklifts, or delivery trucks in a single loan package.
Preserve Working Capital
Spread the cost of major assets over 10 years instead of paying cash upfront — keeping money available for operations.
Industry Agnostic
Manufacturing, construction, agriculture, healthcare, hospitality, transportation — any industry can use this program.
Equipment as Collateral
The equipment itself serves as collateral, which can make it easier to qualify than other loan types.
New vs. Used Equipment
Both are eligible — here's how lenders evaluate them differently.
New Equipment
- ✓Invoice price used as collateral value
- ✓Full useful life supports longer terms
- ✓Manufacturer warranties strengthen the deal
- ✓Lower down payment risk for lenders
- ✓Often qualifies for longer amortization
Used Equipment
- ✓Appraisal or documented FMV required
- ✓Term may be shorter based on remaining life
- ✓Can significantly reduce acquisition cost
- ✓Must be in good working condition
- ✓Inspection by lender may be required
Typical Loan Terms
Frequently Asked Questions
Common questions about SBA equipment and machinery financing.
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