Equipment Financing That Pays for Itself

What is equipment financing?

Equipment financing is a loan or lease used to purchase business equipment, with the equipment itself serving as collateral. Because the lender has a hard asset backing the deal, approval rates are high and rates are low — even for newer businesses and owners with moderate credit.

HL Hunt Funding arranges equipment loans and leases from $10,000 to $2,000,000 for vehicles, heavy machinery, medical devices, kitchen equipment, IT infrastructure, and more. New and used equipment are both eligible, and many programs finance 100% of the cost including soft costs like delivery and installation.

Section 179 of the tax code may allow you to deduct the full purchase price in the year you place the equipment in service, making financed equipment one of the most tax-efficient investments a business can make. Consult your tax advisor.

How equipment financing works

1. 1
   Get a quote

   Share the equipment, vendor, and price. No credit inquiry to pre-qualify.

2. 2
   Approval

   Most approvals within 24–48 hours for deals under $250,000.

3. 3
   Vendor paid directly

   We pay the vendor; you take delivery.

4. 4
   Fixed payments

   Repay over 2–7 years. Own the equipment outright or return it at lease end.

Best for

• Trucks and trailers
• Construction and heavy equipment
• Medical and dental equipment
• Restaurant and manufacturing machinery

Pros and cons

Requirements to qualify

• Equipment quote or invoice
• 580+ FICO (lower with larger down payment)
• 6+ months in business preferred

Requirements vary by funder. The fastest way to know exactly where you stand is to pre-qualify in two minutes — it is free and there is no credit inquiry.