From $1K to $2M for new or used equipment. Competitive rates, longer terms, and same-day approvals.
Requirements
See if you qualify in seconds. No credit impact.
No hard credit pull. Free consultation.
A funding advisor will reach out shortly.
Complete the full application →
Equipment financing allows you to purchase or lease business equipment using the equipment itself as collateral. Because the lender has a secured asset, this type of financing typically comes with lower credit requirements and competitive rates compared to unsecured loans.
The process is straightforward: apply online, receive same-day approval, and get funded to purchase the equipment your business needs. Monthly payments are spread over 12 to 84 months, making it easy to budget for the cost of new or used equipment.
SRT Agency offers equipment financing from $1K to $2M with a minimum credit score of just 550 — one of the lowest in the industry. Whether you're buying your first piece of equipment or expanding an existing fleet, we can help.
Construction
Excavators, loaders, cranes, bulldozers
Restaurants
Ovens, refrigerators, POS systems
Trucking & Fleet
Trucks, trailers, delivery vehicles
Medical & Dental
Imaging equipment, chairs, lab machines
Manufacturing
CNC machines, presses, industrial tools
Technology & IT
Servers, computers, networking gear
| Feature | Financing (Buy) | Leasing (Rent) |
|---|---|---|
| Ownership | You own the equipment | Returned at end of lease |
| Monthly Cost | Higher (building equity) | Lower (no ownership) |
| Tax Benefits | Section 179 deduction | Lease payments deductible |
| Best For | Long-term use, asset building | Short-term or fast-evolving tech |
What credit score do I need for equipment financing?
We accept credit scores as low as 550 for equipment financing. The equipment itself serves as collateral, which allows us to offer lower credit requirements than unsecured business loans.
Can I finance used equipment?
Yes. We finance both new and used equipment. For used equipment, we may require a vendor invoice or proof of fair market value.
How much down payment is required?
Many of our equipment financing programs require little to no down payment. The exact amount depends on your credit profile and the type of equipment being financed.
How long does equipment financing approval take?
Most equipment financing applications are approved the same day. Once approved, funding can be completed within 24-48 hours.