(For Equipment Financing Only) 2025

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The document is an Equipment Credit Application form for financing equipment, requiring detailed customer and personal information, including business details and personal data of owners or partners. It includes instructions for submission, a disclosure about the right to request reasons for credit denial, and compliance with the Equal Credit Opportunity Act.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Is equipment financing considered debt?

Yes, equipment finance is considered a form of debt. When a business obtains equipment finance, they borrow money from a lender to acquire the necessary equipment.

What credit score is needed to finance equipment?

You can get equipment financing with fair or bad credit even though lenders will still pull your credit history. Some equipment lenders may provide funding to small-business owners with personal credit scores in the 500s, although theyll likely charge higher interest rates and offer shorter repayment terms.

How hard is it to get equipment financing?

Equipment loans tend to be easier to get than other types of business loans. Many lenders offer relaxed qualifications since the equipment itself secures the loan with collateral. If you exceed the minimum requirements set by your lender, youll have a higher chance of approval.

What is the meaning of equipment financing?

Equipment financing refers to a loan used to purchase business-related equipment, such as a restaurant oven, vehicle or copy machine. When you take out an equipment loan, youll need to make periodic payments that include interest and principal over a fixed term.

Is it hard to get equipment financing?

Equipment loans typically are not hard to get. You can qualify for one with moderate credit and a sufficient down payment, even if youre running a startup.

Who has the best equipment financing?

Best equipment financing options of 2025 Best for fair credit: National Funding. Best for same-day funding: OnDeck. Best for options for $0 down: Cardiff. Best for small loan amounts: Crest Capital. Best for large loan amounts: Kapitus.

What type of finance is equipment?

Equipment loan (also known as a chattel mortgage) You legally own the equipment you buy, but the lender has a security interest in it. That means the equipment is collateral on the loan, and the lender may repossess it if you default on repayments.

(For Equipment Financing Only) 2025

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