Equipment Financing for Small Business
Get the equipment you need today — keep your cash for growth tomorrow.
Acquire essential equipment without the cash hit
From a single truck to a full production line, NEXT LEVEL structures equipment loans for small business owners across every industry — matching the asset's useful life to your revenue cycle. Approvals are fast, paperwork is light, and your equipment financing advisor stays with you from vendor quote to wire so you don't lose the deal.
- Up to 100% financing — preserve working capital
- Terms from 12 to 84 months
- New, used, and private-party equipment eligible
- Section 179 tax advantages may apply
- Soft credit pull — no impact to score
- Funded in 24–48 hours after approval
24–48 hr decisions
Fast underwriting so you don't lose the deal.
Soft credit pull
Pre-qualify with no impact to your score.
Up to $5M
Single-asset to full-fleet financing.
What you'll need to qualify
A short list of documents and basics to get you pre-qualified — most files only need the essentials below.
- 6+ months in business (startups: case-by-case)
- Personal FICO 600+
- Equipment quote, invoice, or VIN
- Last 3 months of business bank statements
- Government-issued ID & EIN
- Tax returns for deals over $250K
Our funding process
Send the equipment quote
Share the invoice or quote — new, used, or private-party all qualify.
Soft-pull pre-qualification
Quick application with no impact to your credit score.
Approval & terms
We present you with rate, term, and payment options to choose from.
Funding to vendor
We pay the vendor directly so the equipment ships to you fast.
Frequently Asked Questions
Related resources
Guides and playbooks to help you make the most of equipment financing.
Equipment & Real Estate Financing Guide
How to structure equipment loans and leases, Section 179 tax advantages, and when to pair equipment financing with real estate.
Read moreSBA Loan Application Checklist
Documents you'll need if you're financing a large equipment purchase inside an SBA 7(a) or 504 loan.
Read moreCompare Small Business Funding Options
Equipment loan vs. lease vs. working capital vs. SBA — which is the cheapest way to acquire that next asset.
Read moreReady to finance your next piece of equipment?
Get a no-obligation equipment quote in minutes — soft credit pull only.