01
Construction & Heavy Equipment
- Excavators and mini excavators
- Skid steers and compact track loaders
- Backhoes, wheel loaders and dozers
- Telehandlers, lifts and cranes
- Compactors, trenchers and attachments
Equipment Financing
Equipment Financing for U.S. Businesses
FundThat helps U.S. businesses explore financing for new and used productive assets — from commercial vehicles and construction equipment to manufacturing machinery, restaurant equipment, technology and more.
- New & usedEquipment may be considered subject to lender criteria.
- Dealer & some private salesSeller and asset verification requirements can vary.
- Multiple financing pathsWe help you explore available options based on your business, asset and provider criteria.
What We Finance
Equipment and machinery financing across the way your business operates.
Whether you are replacing one essential machine or adding capacity across your operation, the asset should support a clear business purpose. Below are common examples of equipment that may be considered. If the financing need extends beyond the asset purchase, compare business loans or working capital financing.
02
Transportation & Commercial Vehicles
- Work trucks, cargo vans and service vehicles
- Box trucks and straight trucks
- Highway tractors and commercial trailers
- Dump trucks, tow trucks and specialty bodies
- Fleet vehicles and transportation equipment
03
Manufacturing & Industrial Machinery
- CNC machines, lathes and mills
- Presses, brakes and fabrication equipment
- Welding and cutting systems
- Packaging and production lines
- Compressors, generators and plant equipment
04
Material Handling & Warehouse
- Forklifts and reach trucks
- Pallet and order-picking equipment
- Conveyors and warehouse systems
- Racking-related machinery and loaders
- Dock and material-movement equipment
05
Agriculture, Forestry & Landscaping
- Tractors and utility equipment
- Mowers and grounds-maintenance equipment
- Forestry and wood-processing equipment
- Sprayers, attachments and implements
- Commercial landscaping machinery
06
Restaurant & Foodservice
- Commercial ovens and cooking equipment
- Refrigeration and freezer systems
- Dishwashing and sanitation equipment
- Food preparation and processing equipment
- Commercial coffee and beverage systems
07
Trades & Field Service Equipment
- Welding rigs and mobile service equipment
- Compressors and generators
- Hoists, lifts and shop equipment
- Diagnostic and specialty trade equipment
- Jobsite tools and productive field assets
08
Medical, Dental & Professional Equipment
- Dental chairs and treatment equipment
- Diagnostic and imaging equipment
- Clinic and laboratory equipment
- Optical and professional-use equipment
- Specialized practice technology
09
Technology & Business Equipment
- Servers and network infrastructure
- Computers and specialized hardware
- Printers, copiers and production print systems
- Telecommunications equipment
- Other revenue-producing business equipment
DON'T SEE YOUR EQUIPMENT?
TELL US ABOUT THE EQUIPMENT
Tell us what you are buying.
Asset eligibility varies by lender. We can review the equipment, seller and transaction details to help determine whether there may be a financing path worth exploring.
Common Financing Scenarios
New equipment, used equipment or the next stage of growth.
Equipment financing can help a business acquire productive assets while keeping more operating cash available for the rest of the business.
Replace aging equipmentUpgrade assets that are becoming costly, unreliable or inefficient.
Add capacityPurchase machinery or equipment needed to support additional sales, contracts or production.
Expand a fleetAdd commercial vehicles or transportation equipment as operations grow.
Preserve working capitalAvoid using all available cash for a large equipment purchase at once.
What Lenders Consider
The business, the asset and the transaction all matter.
Exact requirements vary by lender and transaction, but these are common areas reviewed when an equipment financing application is assessed.
Your business
Operating history, industry, ownership, revenue profile and the purpose of the equipment.
The asset
Equipment type, age, condition, useful life, serial or identifying information and expected business use.
The transaction
Purchase price, vendor or seller, invoice or quote, taxes, trade-ins and any required borrower contribution.
Credit & capacity
Credit profile and financial capacity may be reviewed to determine eligibility, structure and potential terms.
How FundThat Works
A clearer path from equipment need to financing options.
We help organize the financing request, understand the equipment purchase and explore potential lender options that may fit the transaction.
- 01
Tell us about the business and equipment
Share what you are buying, the approximate purchase amount and key information about your business.
- 02
We review the financing request
We look at the asset, transaction and application details and explore applicable lender relationships.
- 03
Review available next steps
If an option is available, we help explain the required documents and lender process so you can make an informed decision.
Prepare Your Request
Have the equipment details ready.
Providing accurate transaction information early can make the review process more efficient. Additional documentation may be requested depending on the lender and financing amount.
Helpful information to have available
- Equipment quote, invoice or purchase details
- Make, model, year and equipment description where applicable
- Vendor or private seller information
- Legal business name, ownership and operating history
- Approximate financing amount and any down payment or trade-in
- Financial or banking information if requested by the lender
Equipment Financing Guides
Explore equipment financing by asset and industry.
Learn how financing can differ based on equipment type, age, seller, business use and transaction structure.
Equipment Financing Requirements
Prepare the business, asset and seller information commonly reviewed.
Used Equipment Financing
Understand how age, condition and remaining useful life may affect a request.
Heavy Equipment Financing
Explore financing considerations for construction and other heavy productive assets.
Commercial Truck Financing
Learn about financing commercial trucks, trailers and specialty vehicles.
Equipment Financing FAQ
Questions business owners often ask.
Can I finance used equipment?
Often yes. Eligibility can depend on the equipment type, age, condition, valuation, useful life and seller. Older or highly specialized assets may have different requirements.
Can equipment be purchased from a private seller?
Some lenders consider private-sale equipment transactions, subject to additional seller, ownership and asset verification. It is best to confirm eligibility before committing to the purchase.
Do I need a down payment?
Possibly. Borrower contribution requirements vary based on the asset, purchase amount, business profile, lender and overall transaction structure.
How long are equipment financing terms?
Terms vary. Lenders generally consider the equipment's expected useful life, age, financing amount and borrower profile when determining an appropriate structure.
Is the financed equipment used as collateral?
In many equipment-financing structures, the lender registers a security interest against the financed asset. The exact security requirements will be disclosed by the lender.
Can taxes or related purchase costs be financed?
That depends on the lender and program. Ask for a complete breakdown of which transaction costs may be included in the financed amount.
Does applying guarantee approval?
No. Financing availability, approval, rates and terms are subject to the lender's underwriting criteria and review of the complete application and transaction.
READY TO MOVE FORWARD?
Tell us what equipment your business needs.
Already have a quote or know what you want to buy? Start with the financing request and give us the key details.
Financing availability, approval, rates and terms are determined by the applicable lender and are subject to underwriting, asset eligibility and transaction requirements.