Equipment financing funds the machines, vehicles, and systems a business needs without draining working capital — with the equipment itself serving as collateral.
Share a few details and our team can Tell us what you need and how it will be used — we will outline the structures available.
Prefer to talk now? 954-590-8464Equipment financing covers the cost of business equipment with the equipment serving as collateral. Because the lender holds a claim on a durable, resellable asset, rates come in well below unsecured business credit and approval focuses on the asset as much as the balance sheet.
Structures range from loans, where you own the equipment from day one, to leases, where payments are lower and the equipment can be returned at the end. Which one suits you depends on how long you intend to keep the asset.
Equipment finance lets the asset earn while it is being paid for.
Finance the purchase instead of drawing down cash reserves.
Collateral keeps rates below unsecured business credit.
Own from day one, or keep payments lower with a lease.
Both are eligible, with terms reflecting the equipment age.
Section 179 allows up to $2,560,000 in deductions for 2026 — confirm with your tax advisor.
Asset-focused underwriting generally moves faster than a full business loan.
These are typical equipment financing guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Commonly one to two years in operation, with startups considered on select programs.
Requirements scale with the amount financed, from 600 FICO on smaller deals upward.
Often 0-20% depending on credit, equipment age, and the structure chosen.
Construction, medical, agricultural, industrial, and technology assets.
New and used equipment accepted, with terms adjusted to the asset age.
A quote or invoice plus brief business financials is typical.
Complete one application and tell us about your goals and timeline.
We review your file, check EQUIPMENT guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
With a loan you own the equipment from day one and build equity as you repay. With a lease the lender retains ownership, payments are typically lower, and you can often return or buy out the equipment at the end of term.
Yes. Used equipment is widely financed, though the term is shortened to reflect the asset age so the loan does not outlast the machine.
Section 179 allows businesses to deduct qualifying equipment costs in the year of purchase, up to $2,560,000 for tax year 2026. Whether a specific purchase qualifies depends on your situation — confirm with your tax advisor.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your EQUIPMENT options — we'll guide you from application to keys.
