Most applications receive a decision within minutes, with many approvals issued the same day. Funding timelines can vary based on the transaction size and documentation, but qualified businesses can often move from application to funding in as little as 24–48 hours.

Yes. Equipment financing is designed to support a wide range of credit profiles, including newer businesses and those with less-than-perfect credit. Approvals are based on multiple factors, including business performance and the equipment being financed, not just credit score alone.

There is no single minimum credit score required. While stronger credit profiles may qualify for more favorable terms, many financing programs are available for scores starting around the mid-500s, depending on the overall strength of the application and the type of equipment.

Monthly payments depend on the equipment cost, term length, and credit profile. Financing allows businesses to spread costs into predictable monthly payments, helping preserve cash flow while still acquiring the equipment needed to operate and grow.

The right option depends on your goals. Financing is often preferred for long-term ownership, while leasing can provide lower monthly payments and flexibility to upgrade equipment. Many businesses choose based on cash flow needs, usage, and how quickly the equipment may become outdated.

A wide range of business equipment can be financed, including restaurant equipment, HVAC systems, medical devices, construction machinery, and more. Financing is available across many industries, making it easier for businesses to acquire essential tools without large upfront costs.

Offering financing gives customers the ability to pay over time instead of upfront, which can reduce purchase hesitation and increase close rates. Businesses that offer financing often see higher average transaction sizes and improved customer conversion.