Can you provide funding for clients who are not U.S. citizens?

No, clients must be permanent residents/U.S. citizens currently residing in the United States.

Do I need a down payment or need to pledge collateral?

No, most options we offer do not require a down payment or any collateral. If the funding is being used to purchase an asset, such as equipment or commercial real estate, that will allow you to qualify with lower credit scores.

Does my business need to be generating revenue before I can receive funding?

No, if you have good credit, 700+ credit scores, then we can most likely help with funding. Having good credit with verifiable income outside of your business will always help as well.

Will the review be a hard pull on credit?

NO HARD inquiries on any reviews, we can give you an offer without a hard inquiry.

Does my co-signer need to be a business partner?

No, can be a family member or friend who is willing to help.

Can I still get financing if I just quit my job?

Yes, if you have good credit or a co-signer we have options!

Do we charge any upfront fees or application fees?

No, Finance Factory does not charge any upfront fees. We only get paid if you successfully receive funding.

Are there any industry restrictions?

No, we work with all industries providing your credit score or partners/co-signers are 700 or better.

How quickly can I get funding?

We can provide credit decisions within 24 hours or less and funding can take place in as few as 3 days.

What are the interest rates?

We offer funding programs with rates as low as 0%. Your specific rates depend on the strength of your credit profile, funding amount, term, and other qualifying factors.

Equipment Financing & Leasing

Easy Small Business Funding

Home » Funding Programs » Equipment Financing & Leasing

Loan Amounts: $5,000 – $5,000,000
Loan Terms: Life Expectancy Of Equipment
Interest Rates: 6% – 30%+
Time: As Fast As 48 Hours

What Equipment Financing & Leasing Is

Equipment Financing allows you to fund up to 100% on new or used equipment for your business. This can include tools, appliances, computers, or even vehicles– but there’s plenty more that can be funded using Equipment Financing.

Some Things You Can Use Equipment Financing For

Hardware And Software (Computers, Management Applications, Etc.)
Office Furniture (Desks, Chairs, Rugs, Etc.)
Commercial Restaurant Appliances (Grills, Ovens, Deep Fryers, Freezers, Etc.)
Construction Equipment (Workbenches, Forklifts, Tools, Etc.)
Power, Heating, And Cooling (HVAC Units, Solar Panels, Generators, Etc.)
Sales Transaction Devices (Cash Registers, Point-Of-Sale Payment Software, Etc.)

Start The Conversation

Better Way To Lease or Finance Equipment

Ideal Annual Revenue: $20,000+
Ideal Credit Score: 600+
Time In Business: 2+ Years

Businesses today need the best commercial equipment & best equipment financing available to stay competitive, operate efficiently, and deliver high quality products and services. We make equipment leasing and equipment financing easy at Finance Factory.

To lease commercial equipment from the leading equipment finance companies in North America, it now takes just 2 minutes with our instant equipment lease quote engine.

Our online equipment finance platform makes “soft” credit inquiries so there is virtually no impact to your personal credit score and you can come back and shop for equipment financing over and over again to get pre-qualified equipment leasing quotes.

At Finance Factory you get real equipment finance rates from real equipment lenders. Should you need special assistance with equipment leasing because you are a new company, have damaged credit, or happen to be buying unique equipment for your unique business.We have the equipment finance experts that will help you find the best equipment lease options available.

So check it out. Lease equipment and finance equipment at Finance Factory, where equipment leasing and equipment financing is Fast, Easy, & Free!’ TO ‘Pre-qualify today! Getting approved for equipment leasing or financing with Finance Factory is Fast, Easy, and there is never an application fee!

The Three C's
for Qualifying

When you’re looking into loans, Finance Factory looks at the Three C's: Credit, Cash flow, and Collateral.

You’ll want to have a credit score between 600 and 800– with an ideal score of 700+. But we’ll also look for a minimum account balance of $1,000 – $5,000 for monthly cash flow (in addition instead of another but also look at tax returns, profit, and annual revenue). As for collateral, we prioritize unsecured funding; however, collateral is just one option. As long as you have one of the Three C's, you’ll qualify for a loan.

Finance Factory Helps You Find The Best Equipment Financing For Your Business

Interested in finding funding for your business? Finance Factory would love to help! If you’re looking to fund your business within the next 30 to 90 days or less and have a credit score of 600 - 800 , let’s chat! Get pre-qualified right now with our quick-step pre-qualification form! And don’t worry, this will not result in a hard credit inquiry of sensitive information. We just want to learn more about you and your business. Click below to get started!

Get Qualified