What equipment financing costs.
No single number applies to every deal — the asset, your credit, and the term all move the price. Here’s how those pieces fit together, worked out in real dollars.
Four inputs, one offer.
Equipment financing is priced deal-by-deal, not off a rate card. The asset itself carries the most weight: newer equipment with a deep, liquid resale market — construction gear, standard vehicles, common industrial machinery — tends to price better than specialized or fast-depreciating assets, because the lender’s collateral is worth more if things go sideways.
Term length matters too. Longer terms lower the monthly payment but extend the window the lender is exposed, which can push the rate up slightly. Time in business and personal credit round out the picture — an established business with strong financials and a common, easily-resold asset will see the best end of any range; a newer business financing a specialized asset will see the other end.
We don’t publish one blended rate because it would be misleading either way. The honest path is to apply, let underwriting look at your actual file, and get a real number back — not a marketing figure.
Same math, three sizes.
These use an illustrative APR to show how the payment scales with cost and term. Your actual rate depends on the asset, your credit, and the lender who ultimately underwrites the deal.
Illustrative example — not a quote
- Equipment cost
- $50,000
- Term
- 48 months
- Illustrative APR
- 11.9%
- Monthly payment
- $1,314
- Total of payments
- $63,072
Illustrative example — not a quote
- Equipment cost
- $120,000
- Term
- 60 months
- Illustrative APR
- 11.9%
- Monthly payment
- $2,663
- Total of payments
- $159,780
Illustrative example — not a quote
- Equipment cost
- $250,000
- Term
- 72 months
- Illustrative APR
- 11.9%
- Monthly payment
- $4,875
- Total of payments
- $351,000
Illustrative example — not a quote. Actual rates, terms, and payments are set during underwriting and vary by lender, asset, and applicant.
What we don’t charge.
No application fee.
A quote carries no obligation.
Checking your eligibility uses a soft credit pull.
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See your rate in 2 minutes; no credit impact, no obligation.