Inflection
Apply
Equipment · Direct from Inflection Financing

Equipment Financing

Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.

Apply for EquipmentCalculate Payment
$5,000,000
Amount
2 – 7 years
Term
7.5%
Rate
3 – 7 business days
Funding
What is it
Equipment financing pledges the equipment itself as primary collateral, which is why pricing is materially better than an unsecured term loan and approvals are faster. Inflection Financing finances new and used equipment from $25,000 to $5,000,000 with terms of 2 to 7 years and rates from 7.5% to 13.5%.

Because the asset secures the loan, equipment financing approvals turn on three things: the resale value of the equipment, the cash flow servicing the payment, and the buyer's credit. Most Inflection Financing equipment transactions close in 3 to 7 business days from invoice. Sale-leaseback structures let operators unlock equity from already-owned equipment without disrupting operations.

Best For
  • →Manufacturing and industrial equipment
  • →Commercial vehicles and fleet
  • →Restaurant kitchens and FF&E
  • →Medical and dental equipment
Common Uses
  • →New or used equipment purchase
  • →Sale-leaseback on owned equipment
  • →Fleet expansion and vehicle replacement
  • →Equipment refinance from higher-rate notes
Eligibility
  • →$100K+ annual revenue
  • →2+ years operating history
  • →Personal credit 650+
  • →Equipment quote or invoice
Why Inflection Financing
  • →Up to 100% financing — no down payment in many cases
  • →Equipment serves as primary collateral
  • →Section 179 and bonus depreciation eligible
  • →Fixed monthly payment, no balloon
Equipment by Industry

Industries we finance with Equipment.

Restaurants
$75,000 to $3,500,000
Healthcare Practices
$250,000 to $5,000,000
Construction Firms
$100,000 to $5,000,000
Manufacturers
$250,000 to $10,000,000
Transportation Firms
$100,000 to $5,000,000
Agriculture & Agribusiness
$100,000 to $5,000,000
Franchisees & Franchisors
$150,000 to $5,000,000

Equipment Financing — Frequently Asked

Can I finance used equipment?+

Yes. Inflection Financing finances used equipment up to 10 years old (15 years for heavy industrial). Used equipment typically requires a slightly higher down payment than new.

What is a sale-leaseback?+

A sale-leaseback lets an operator sell already-owned equipment to Inflection Financing and lease it back, unlocking cash equity without losing the use of the asset. It's a common way to monetize equipment value without taking on a separate working capital loan.

Is equipment financing Section 179 eligible?+

Yes — equipment purchased with an Inflection Financing equipment loan is generally eligible for Section 179 expensing and bonus depreciation, subject to your tax advisor's analysis of your specific situation.

Other capital facilities
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Commercial Real Estate
SBA 504 and conventional financing for owner-occupied and investment CRE.

Ready for Equipment capital?

Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.

Apply NowRun Calculator