Equipment Capital for Growing Businesses

Buy the crane, the fleet, the medical equipment, or the tech infrastructure. Pay for it over time. Keep your cash in the business.

Loans and Leases for Business Equipment

Equipment financing lets you acquire what you need, machinery, vehicles, medical devices, restaurant gear, IT systems, without draining your operating cash. The equipment itself serves as collateral, which means faster approvals and lower down payments compared to unsecured business loans. CapitalAx recently arranged $150,000 in crane equipment financing with a 36-month term for a construction operator, and we work with lenders across manufacturing, healthcare, logistics, and food service that fund in as few as 5 business days.

Key Terms

Loan Range: $50K to $5M+
Terms: 2 to 7 years
Down Payment: As low as 0% to 10%
Collateral: Equipment itself
Speed: 5 to 15 business days
Structure: Loan or lease

Who Is It For

  • Manufacturing and industrial operators
  • Construction companies expanding fleet
  • Healthcare practices acquiring medical equipment
  • Logistics and transportation businesses
  • Technology companies investing in infrastructure

Common Use Cases

  • Heavy machinery and manufacturing equipment
  • Commercial vehicles and fleet expansion
  • Medical and dental equipment
  • IT infrastructure and technology
  • Restaurant and food service equipment

Borrower Scenarios

  • A construction company purchasing two new Caterpillar excavators totaling $320K, financing the equipment over 60 months with the machines themselves as collateral and zero down payment.
  • A dental practice acquiring a CBCT 3D imaging system and two new operatory chairs for $185K, structured as a 48-month equipment loan that preserves the practice's line of credit for operating expenses.
  • A trucking company adding 8 Class 8 semi-trucks to their fleet at $1.2M total, using an equipment lease structure that keeps the assets off their balance sheet and includes a $1 buyout at term end.
  • A craft brewery purchasing a $275K canning line and fermentation tanks, funded in 7 business days through an equipment-specific lender familiar with beverage manufacturing assets.

Why CapitalAx

Industry-Specific Equipment Lender Matching: Equipment lenders specialize by industry, a lender who finances medical devices won't touch construction equipment, and vice versa. We match your equipment type with lenders who understand the asset's useful life, resale value, and industry depreciation curves.
Lease vs. Purchase Analysis for Tax Optimization: We run the numbers on both lease and purchase structures, factoring in Section 179 deductions, depreciation schedules, and your cash flow situation to determine which approach maximizes your after-tax benefit.
Rapid Funding for Time-Sensitive Purchases: When a dealer has the equipment you need and someone else is bidding, speed matters. We work with lenders who can approve and fund equipment deals in as few as 5 business days with minimal documentation.

Frequently Asked Questions

Is it better to lease or buy equipment?

It depends on the asset's useful life, your tax situation, and cash flow needs. Buying builds equity in the asset, while leasing can offer lower payments and easier upgrades. CapitalAx helps you evaluate both options.