Asset Financing
Equipment Financing
Purchase or lease business-critical equipment with financing structured against the asset. Preserve working capital while acquiring what you need to grow.
Overview
What is a Equipment Financing?
Equipment financing is structured against the equipment itself. Because the asset serves as collateral, lenders can extend larger amounts, longer terms, and faster approvals than for comparable unsecured credit.
It's the standard way to acquire machinery, vehicles, medical/dental equipment, restaurant equipment, technology, and other business-critical assets without draining working capital.
Best For
Businesses acquiring machinery, vehicles, or specialized equipment.
Common Uses
Best for these business needs
How it works
A clear path from application to funding
- 1
Identify equipment
Vendor quote or invoice for the equipment to be financed.
- 2
Apply
Short application with equipment and business detail.
- 3
Underwriting
Cash-flow, credit and equipment review.
- 4
Approval & docs
Finance structure confirmed; documents signed.
- 5
Vendor payment
Lender pays the vendor and delivers your equipment schedule.
Eligibility
Qualification considerations
Eligibility varies by lender and financing program. The items below are general considerations, not guaranteed approval requirements.
- Time in business
- Typically 1+ year operating history; start-ups considered on stronger owner credit.
- Equipment type
- Business-use equipment with identifiable serial and vendor detail.
- Credit profile
- Owner credit reviewed alongside business performance.
Documents
Documents you may need
Exact documentation depends on loan size, lender and use of funds.
- Equipment invoice or vendor quote
- Business bank statements
- Business identification (EIN, formation docs)
- Owner ID and information
- Tax returns (for larger transactions)
Benefits
Why businesses choose it
- Finance up to the full equipment cost
- Long terms aligned to the asset's useful life
- Preserves working capital and other credit lines
- Potential tax treatment benefits (consult your CPA)
Considerations
What to think about
- Equipment serves as collateral
- Personal guarantee often required
- Structure varies: finance vs. lease vs. EFA
- Rate depends on equipment class and credit profile
FAQ
Frequently asked questions
Disclosure. Equipment financing is originated by lenders and equipment finance companies in Mosky Capital's network. The financed equipment typically serves as collateral for the transaction.
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Learn moreReady to explore your financing options?
Start an application or speak with a senior underwriter to structure the right capital for your business.