Equipment financing. Get the tools your business needs today.
Equipment financing lets you acquire the machinery, vehicles, or technology your business needs without depleting working capital. The equipment itself serves as collateral — making qualification easier and rates more competitive than unsecured loans.
How Equipment Financing works with Gateway Capital
Know what you need to purchase — new or used, any vendor. We finance virtually all business equipment types.
Provide basic business info and equipment details. No hard credit pull to start.
We route to specialists who finance your equipment type — medical lenders for medical devices, fleet lenders for vehicles, etc.
Lender pays the vendor directly, or funds deposit to your account. You start using the equipment immediately.
Why businesses choose Equipment Financing
Finance the full purchase price including delivery and installation — no down payment required with strong applications.
Because the asset secures the loan, lenders take on less risk — resulting in better rates and easier qualification than unsecured loans.
Keep your cash in the business for operations, payroll, and growth. Don't drain reserves on depreciating assets.
Section 179 allows you to deduct the full cost of financed equipment in the year of purchase — often eliminating the tax cost of the loan.
Finance brand-new equipment from a dealer or used equipment from a private seller — both are eligible in most cases.
Equipment loans are among the fastest to approve because the collateral is clear. Most businesses get funded within 24–48 hours.
When to use Equipment Financing
Commercial Vehicles
Trucks, vans, forklifts, trailers — any vehicle used for business.
A plumbing company finances 3 service vans at $45,000 each — $135,000 total, funded in 48 hours.
Restaurant Equipment
Ovens, refrigeration, POS systems, espresso machines — all eligible.
A new restaurant finances $80,000 of commercial kitchen equipment, preserving cash for opening expenses.
Medical Devices
X-ray machines, dental chairs, surgical equipment, diagnostics.
A dental office finances a $120,000 CBCT scanner, paid back over 5 years from the revenue it generates.
Construction Equipment
Excavators, cranes, compactors, generators, skid steers.
A contractor finances a $250,000 excavator to take on larger projects — equipment pays for itself in 6 months.
Manufacturing Machinery
CNC machines, lathes, presses, 3D printers, conveyor systems.
A manufacturer finances $500,000 in CNC machinery to double production capacity.
Technology & IT
Servers, computers, software, telecommunications equipment.
A tech company finances $75,000 in servers and networking equipment rather than paying cash upfront.
One 2-minute application. Matched to the best equipment financing lenders for your profile.
Common questions about Equipment Financing
How can equipment financing help my business?
Equipment financing solves one of the most common dilemmas in business: you need the equipment to generate revenue, but you need revenue to pay for the equipment. Financing breaks this cycle — you get the equipment now, start generating revenue immediately, and repay the loan from that revenue over time. Meanwhile, your working capital stays intact for operations and opportunities.
Can I finance used equipment?
Yes. Most equipment lenders in our network finance used equipment, typically up to 10–15 years old depending on type and condition. An appraisal or invoice may be required for older equipment.
What equipment can be financed?
Almost any equipment used for legitimate business purposes: vehicles, machinery, medical devices, restaurant equipment, technology, construction equipment, agricultural equipment, manufacturing tools, fitness equipment, and more. The test is: does it have business use and resale value?
Do I need a down payment for equipment financing?
Not always. Many lenders in our network offer 0% down for qualified businesses — meaning you finance the full purchase price. Stronger credit profiles and larger loan amounts are more likely to qualify for zero-down.
What happens to the equipment at the end of the loan?
With equipment financing (a loan), you own the equipment outright once the loan is paid off. With equipment leasing (which some lenders also offer), you may have options to buy, return, or upgrade at the end of the term.
Can a startup get equipment financing?
Yes — startups as young as 6 months can qualify for equipment financing because the equipment itself secures the loan. This makes it one of the most accessible forms of financing for newer businesses.
Other funding products
Get matched to Equipment Financing lenders today.
Two minutes to apply. No hard credit pull. Funded in 24 – 48 hours.
Apply Free — Get My Offers →