GET FUNDED
Small Business Funding For
Buying Equipment.
When the work demands more than your current equipment can handle, you're forced to choose between turning down opportunities or stretching what you have past its limits. We provide fast, accessible funding so you can upgrade, expand, and keep your business moving forward.
Funding Amounts
Up to 100% of purchase
Repayment Terms
12 - 48 months
Timeline To Funding
3 - 5 business days
The Link Between Tools And Intake.
Equipment isn't just a purchase—it directly impacts what your business is able to take on. When your tools fall short, so do your capabilities.
Upgrading your equipment isn't about keeping up appearances—it's about removing the limitations that prevent your business from growing. With the right equipment in place, you can take on larger jobs, improve efficiency, and operate without unnecessary constraints.
Scaling Operations Through Mechanical Efficiency.
In every industry, from construction to medical and every industry in between, there is a ceiling on what a manual process can achieve. Reaching the next level of revenue almost always requires a shift in technology.
Technology Upgrades
Your current equipment is slowing you down—whether it's outdated systems, inefficient tools, or machines that can't keep up with demand.
Fleet Expansion
You've got the work, but not the capacity. Taking on additional jobs means stretching your current setup too thin.
Automation and Speed
Jobs are taking longer than they should, not because of your team, but because your tools can't keep pace with the workload.
Capital Preservation
Acquire the equipment you need with little to no money down, keeping your liquid cash available for payroll and marketing.
Powering Your Next Level Of Production.
When your equipment can keep pace with your workload, everything changes. Jobs move faster, output increases, and your team can operate at full capacity without unnecessary slowdowns.
The right equipment doesn't just improve efficiency—it expands what your business is capable of taking on. With the proper tools in place, you're no longer working around limitations—you're building with momentum.
BEST MATCH
Equipment Financing
Purchase the equipment you need with little to no money out of pocket. Multi-year repayment terms with affordable, fixed monthly payments.
Other Funding Options:
Working Capital Loan
Keep your business running smoothly with a short-term funding solution designed to take care of the day-to-day operational expenses.
Merchant Cash Advance
Funding that's tied to your revenue, rather than being tied to a rigid repayment schedule. Payments adjust according to business performance.
Cash Flow Funding
Smooth out the gaps in your cash flow or bridge slow payments with funding that's designed to match the way your billing cycle works.
Straight Answers. No Fine Print.
How quickly can I get funding for equipment purchases?
Speed ultimately comes down to how prepared you are on the front end. Applications that are completed thoroughly and include all required documents tend to move much faster through the approval process. In many cases, approvals are issued within hours, with funding available as soon as the same day for more flexible funding options.
More structured equipment financing, especially for larger purchases or specialized assets, may take a few additional days to finalize. But even then, the process is significantly faster than traditional bank financing.
Do I need to put money down to finance equipment?
Not always. Many equipment financing options allow you to secure the equipment you need with little to no money down, depending on the strength of your business and the type of asset being purchased.
Down payment requirements are typically influenced by factors such as your credit score, time in business, monthly revenue, the cost and type of equipment, and how the purchase fits into your overall cash flow. For businesses with strong financials, it's often possible to structure financing in a way that preserves working capital rather than requiring a large upfront investment.
The goal isn't just to acquire equipment—it's to do so without putting unnecessary strain on your operations. Keeping your cash reserves intact allows you to continue covering payroll, marketing, and day-to-day expenses while the new equipment begins generating revenue.
Can I qualify for equipment funding with bad credit?
Yes—but your credit profile can impact the type of equipment funding you qualify for.
Traditional equipment financing, especially programs backed by banks or lenders that rely heavily on credit, often requires a minimum credit score and stronger overall credit history. These options typically offer longer terms and lower rates, but they aren't always accessible for businesses with challenged credit.
That said, there are alternative funding solutions that place more emphasis on your business' performance—such as your revenue, cash flow, and ability to support the payments—rather than your credit score alone. These options are designed to help businesses move forward, even if they don't meet traditional lending requirements.
The key is aligning the right type of funding with your current financial profile. In many cases, businesses can still secure the equipment they need—it just comes down to structuring the solution in a way that makes sense for both approval and long-term sustainability.
Can I get equipment funding if I have existing funding?
Yes, but your current obligations will be factored into the type and amount you qualify for.
Having existing financing doesn't automatically disqualify you from securing additional capital for equipment. However, lenders will take into account your current payment obligations, remaining balances, and how those payments are impacting your cash flow.
Approval typically comes down to whether your business can realistically support additional funding without creating financial strain. If your existing funding is well-managed and your revenue supports it, there are options available to move forward with an equipment purchase.
In some cases, the structure of the new funding may be adjusted to better align with your current obligations—ensuring that the additional capital supports your operations rather than overwhelming them.
Stop Letting Your Equipment Set The Ceiling.
The right equipment doesn't just make the job easier—it makes business more profitable. When you stop fighting outdated tools and start operating with peak efficiency, your overhead drops and your capacity expands.
Don't let a lack of capital stand in the way of a more efficient operation. Capitalize Funding can help help you acquire the machinery you need through a structure that allows the equipment to pay for itself while you focus on your business instead of how to fund the next upgrade.
Explore other scenarios where funding can help keep your business moving.
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financial
institutions to obtain, verify and record information that identifies each person and entity
that
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identify
you, including your driver's license or other government identification.