Equipment Financing Nationwide From $10,000 to $5 Million
⚙️ Nationwide Equipment FundingI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Equipment financing gets your business the machines, vehicles and technology it needs to grow, without draining the cash that keeps you running. Because the equipment itself secures the loan, approval is easier than you’d expect. From $10,000 to $5 million, I match you to the right lender.
Cash Flow Is Oxygen. Equipment Financing Protects It.
Machines, technology and vehicles cost money, and growth requires them. But draining your bank account to buy them slows everything else down. Equipment financing lets you get the asset now and spread the cost over time, so your cash stays where it belongs, in your business.
Pay $200,000 Cash
Your liquidity drops the moment you sign the check. That’s payroll, inventory and opportunity gone in one move, all tied up in a single asset.
Finance the Same $200,000
You get the equipment now, spread the payments over time, and match the repayment to the revenue the equipment produces. Your oxygen stays in the room.
According to the U.S. Small Business Administration, access to capital is one of the primary growth barriers for small businesses. Equipment financing addresses that barrier directly by funding the asset while preserving your working capital.
A Contractor Took the Bigger Job Because the Excavator Didn’t Drain His Cash
A growing contractor needed a $140,000 excavator to bid on bigger jobs. He had the cash, barely, but spending it would have left nothing for payroll and materials on the work he already had.
He called me. I matched him to an equipment financing lender who used the excavator itself as collateral, funded in days, with payments structured to match the new revenue the machine would bring in. He kept his cash, took the bigger job, and the equipment paid for itself.
That is the difference between sitting on the sidelines and putting the right tool to work. Don’t Beg the Bank! Get funded instead.
What Equipment Financing Pays For
It can fund almost any tangible business asset, and it works across nearly every industry. If the equipment produces revenue, financing it isn’t an expense, it’s leverage. Here’s where it fits.
Construction
Excavators, bulldozers, cranes, loaders and the heavy machinery that wins bigger jobs.
Construction financing →Manufacturing
CNC machines, production lines and packaging systems to expand capacity and output.
Manufacturing financing →Restaurants
Commercial kitchens, refrigeration, ovens and POS systems for new and expanding locations.
Restaurant financing →Trucking and Transport
Semi trucks, trailers and fleet vehicles, financed so your cash stays free for fuel and payroll.
Trucking financing →Equipment Financing for Tech
Servers, computers, software systems and the office equipment that keeps you efficient.
Medical and Dental
Imaging, diagnostic and surgical equipment, often six and seven figures, financed without draining capital.
Medical Equipment Financing
Healthcare runs on advanced technology, and that technology is expensive. A single imaging system can run into the hundreds of thousands, and some exceed a million. Medical equipment financing lets clinics and practices upgrade without draining operating capital, because modern equipment improves patient care and increases billable procedures.
According to the Centers for Medicare and Medicaid Services, U.S. healthcare spending exceeds $4 trillion annually. The right equipment is how a practice captures its share of that.
- MRI machines and CT scanners
- Ultrasound and X-ray systems
- Dental chairs and operatories
- Surgical and diagnostic equipment
- Lab analyzers and imaging systems
Equipment Financing Loan or Equipment Lease?
Both are forms of equipment financing, and the right one depends on your long-term strategy. Here’s the honest side-by-side so you can see which fits.
| Feature | Equipment Loan | Equipment Lease |
|---|---|---|
| Ownership | You own it at payoff | May transfer at end, depending on structure |
| Upfront cost | Typically higher | Typically lower |
| Builds equity | Yes, you build equity | Less equity, more flexibility |
| Best for | Long-life equipment you’ll keep | Tech you may want to upgrade |
| Payment | Fixed schedule | Often lower monthly |
Swipe to see all columns →
Structures, ownership terms and payments vary by lender and equipment type. I’ll walk you through which structure fits your strategy and cash flow. This is not a commitment to lend.
Qualifying for Equipment Financing Is Refreshingly Straightforward
Because the equipment secures the loan, the bar is built around your revenue and deposit history, not a perfect credit file. I qualify deals honestly so neither of us wastes time.
✅ What you generally need
- ✔At least 3 months of $10,000 or more in revenue deposited into a business bank account.
- ✔A real, operating U.S. business with the equipment you want to finance identified.
- ✔The equipment itself, which serves as the collateral securing the loan.
- ✔A willingness to provide recent business bank statements.
💡 How your credit factors in
- →The better your FICO, the better your rate, term and approval odds.
- →A lower score doesn’t automatically stop you, because the asset backs the deal.
- →Approval also weighs equipment type, industry, time in business and revenue.
- →Stronger businesses and credit support larger approvals and better pricing.
Larger or heavy-equipment deals can run well above $5 million and may pair with a real-estate or SBA structure, which I’ll route accordingly. Either way, the first step is the same: tell me what you’re buying.
Get Your Equipment Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep, and no selling your info to a third party.
Got it. I’m on it.
Your equipment financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Three Steps. Fast and Direct.
No complicated paperwork upfront, no faceless portal, and no junior rep. You deal with me from application to funding.
Apply
Tell me what you’re buying and a little about your business in the quick form above.
I Match and Review Options
I match you to the right equipment lender and walk you through the loan or lease options for your deal.
Get Funded
You finish the documentation and get funded, often in just a few days, so the equipment can get to work.
Recent Equipment Financing From My Desk
A snapshot of the equipment financing I match to lenders across the country. Every machine and every business is different, yours starts with a conversation.
$140K · Excavator
Heavy machinery for a contractor, with the equipment as collateral and payments matched to new revenue.
$320K · Imaging System
Medical equipment for a clinic, funded without draining the practice’s operating capital.
$85K · Commercial Kitchen
Full kitchen and refrigeration build-out for a restaurant opening a second location.
How I Match Equipment Financing to the Right Lender and Structure
It is one of the most accessible funding tools a business has, because the asset secures the loan. But the right lender and the right structure, loan or lease, still make a real difference in your rate, your term and your cash flow. I match you to a lender that finances your type of equipment and wants your deal. That is the whole point of working with me.
Here is why it makes sense. If you pay cash for a $200,000 machine, your liquidity drops the moment you sign. If you finance it, you keep your cash, spread the payments over 12 to 60 months, and match repayment to the revenue the equipment produces. Cash flow is oxygen, and this protects it. The equipment itself usually serves as the collateral, which lowers the lender’s risk and improves your approval odds compared with unsecured borrowing.
Qualifying is built around your revenue, not a perfect credit file. In general you’ll want at least three months of $10,000 or more in revenue deposited into a business bank account, and the equipment you intend to finance identified. The better your FICO, the better your rate and terms, but a lower score doesn’t automatically stop you, because the asset backs the deal. Approval also weighs equipment type, industry, time in business and overall revenue, and stronger businesses support larger approvals. According to U.S. Census Bureau data, capital investment is directly linked to business expansion and output growth, which is exactly what the right equipment delivers.
So tell me what you’re buying. Heavy machinery, a production line, a truck, a commercial kitchen or a diagnostic system? Equipment financing, structured as a loan or a lease. Need working cash alongside it? Working capital loans or a business line of credit. Want government-backed terms on a larger purchase? An SBA loan, including a 7(a) loan or an SBA 504 loan for heavy, long-life equipment. Buying the building too? Commercial real estate loans. Want the broader menu? See small business loans or every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, SBA loan programs; Centers for Medicare and Medicaid Services, National Health Expenditure data; U.S. Census Bureau, Statistics of U.S. Businesses.
Straight Answers Before You Apply
What is equipment financing?
How much can I finance, and for how long?
What do I need to qualify for equipment financing?
What is the difference between an equipment loan and a lease?
How fast can I get funded?
What does it cost to work with you?
Equipment Financing by Industry
I finance production machinery across every kind of manufacturer, with the equipment itself as collateral. Find your industry below.
An Equipment Financing Advisor Who Knows the Right Lenders
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Not every lender finances every type of equipment, and the loan-versus-lease decision affects your cash flow for years. I match your equipment financing to a lender that funds your type of asset and structure it the right way, and I stay with you through it. I personally review every application, I call you directly, and I never text. For more on capital and equipment, see the SBA’s 7(a) loan program and its 504 loan program.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and when your equipment breaks down or a bigger job is on the table, you can’t wait weeks. I match you to the right financing so your cash stays in your business … $10,000 to $5 million and beyond, loan or lease, and a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, business performance, equipment type and deal structure. Equipment financing generally ranges from $10,000 to $5 million with terms of 12 to 60 months; larger or heavy-equipment deals may run higher and may pair with a real-estate or SBA structure. Qualification generally requires at least three months of $10,000 or more in revenue deposited into a business bank account and the equipment identified; the stronger your credit and revenue, the better your rate, term and approval odds. The equipment typically serves as collateral. A personal guarantee may be required. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.