Equipment loans and leases — new and used. Application-only up to $100K for qualifying businesses, with terms up to 72 months. Financing available nationwide.
Utility and compact utility tractors for farms, contractors and working operations — new and used, loans and leases. Application-only for qualifying businesses, terms up to 72 months.
Welders, plasma cutters, positioners and fab-shop equipment — new and used, loans and leases. Application-only for qualifying businesses, terms up to 72 months.
Adding units or replacing aging iron across an operating fleet — trucks and equipment, new and used, financed one unit or several at a time. Terms up to 72 months.
Whether you're comparing equipment loans, leases, or dealer financing, the structure is what matters. Rates vary by credit profile, time in business, and equipment type and age. Representative program structure:
| Program | Typical structure |
|---|---|
| Application-only | Up to $100K for qualifying businesses — no financial package |
| Terms | 24–72 months |
| Equipment | New & used |
| Transaction size | $10K–$500K |
| Structures | Equipment loans (you own it) and leases (lower payment, flexible end-of-term) |
Four things move an equipment financing rate more than anything else: your credit profile, time in business, the equipment's age and type, and the term length you pick. Newer machines and shorter terms price better; newer businesses price higher than established ones and put money down up front. Application-only deals trade a slightly higher rate for speed and zero paperwork — for most working contractors that trade is worth it.
The honest answer to “what’s the rate?” is that a real quote takes about two minutes of information — that’s the form above. Payment calculators only get you a ballpark, because payment depends on credit, term, and the machine’s age. No obligation, no credit pull to see options.
Rates, terms, and approval vary by applicant and are not guaranteed. All programs subject to credit approval.
Yes. Used equipment is generally eligible at the same terms as new. Age and hours are considered per deal.
A loan builds equity and you own the machine at payoff. A lease runs a lower monthly payment and gives you options at end of term. Which is right depends on how long you’ll run the machine and how you want it to sit on your books — you’ll see both structures when you get your options.
Newer businesses can qualify — on a higher credit profile than an established business, and with a first payment or an advance up front. How much higher depends on the machine. Established businesses qualify on a lower profile, with the deal size moving up as the score does.
No tax returns, no bank statements, no financial package — just the application, for qualifying businesses up to the program cap. It’s the difference between funding this week and funding this month.
Payment depends on the price, the term you pick (24–72 months), your credit profile, and the machine’s age — which is why an online payment calculator only gets you a ballpark. The two-minute form returns real options with real numbers: no obligation, no credit pull to see them.
All major brands, new and used. EquipMatch is independent — not affiliated with any manufacturer or dealership — so the financing options aren’t tied to any one brand’s captive program.
Yes — financing is available nationwide. Apply online and fund a machine from a dealer or vendor anywhere in the country.
The form takes about two minutes. A financing specialist calls back during business hours, and application-only deals can move to approval quickly — timelines vary by deal and are never guaranteed.
Fill out a short form — your business, the equipment, and roughly how much. About two minutes, no obligation.
A financing specialist will contact you during business hours to confirm details and go over your financing options.
Documents are collected through a secure portal — never by email — and your approval moves to funding.