Equipment Financing
Equipment Financing Loans to Empower Your Business
Upgrading your tools, machinery, or technology shouldn’t slow down your business growth. Better Rise Capital makes exploring equipment financing simple, connecting you with lenders in our network that can help you acquire essential business equipment without large upfront costs.
The basics
What Is Equipment Financing?
Whether you’re a startup, a restaurant, or a construction company, business equipment financing can help keep your operations running efficiently.
Equipment Financing allows businesses to purchase or lease the machinery, tools, and technology they need while preserving cash flow. Instead of paying the full cost upfront, you spread payments over time on terms set by the lender.
From heavy equipment financing for construction to restaurant or agricultural equipment financing, lenders in our network help companies across industries stay competitive and productive.
Financing options
Types of Equipment Financing
Every business has unique equipment needs. Through lenders in our network, we can help you explore options including:
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Equipment Lease Financing
A cost-effective solution to lease equipment with the option to own it later.
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Small Business Equipment Financing
For small businesses looking to expand without depleting working capital.
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Commercial Equipment Financing
Structured for large corporations with significant machinery and asset requirements.
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Construction Equipment Financing
Tailored for contractors and builders purchasing or leasing heavy machinery.
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Restaurant Equipment Financing
For kitchen appliances, POS systems, or delivery tools.
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Agricultural Equipment Financing
For farmers needing tractors, harvesters, or irrigation equipment.
Benefits
Benefits of Equipment Financing Loans
Equipment financing can help newer and well-established businesses get the tools they need while keeping the business financially healthy.
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Keep Cash in Your Business
Financing allows you to preserve your working capital for other operational needs — like payroll, inventory, marketing, or unexpected expenses — while still getting the equipment you need to grow.
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Minimize Financial Risk
Avoid large upfront costs and reduce the financial risk of purchasing expensive equipment outright. Financing helps you manage payments over time, with terms set by the lender.
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Stay Ahead with New Technology
Equipment financing gives you access to the latest technology, tools, and machinery — so you can stay competitive and avoid falling behind in your industry.
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Potential Tax Benefits
Equipment purchases may qualify for tax benefits like Section 179, which may allow you to deduct all or part of the purchase from your taxable income. Ask your tax advisor how it applies to your business.
Why us
Why Choose Better Rise Capital
Better Rise Capital helps you explore and compare equipment financing options from lenders in our network.
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A Network of Lenders
Explore financing for new or used equipment from lenders in our network.
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Flexible Terms
Compare short-term equipment loans and longer-term equipment leasing options offered by lenders.
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Clear Information
Each lender discloses its rates, fees, and terms before you accept an offer.
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Options for Newer Businesses
Some lenders work with newer businesses. Approval depends on each lender’s criteria.
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Personalized Guidance
Whether you need business equipment financing or commercial equipment financing, we help you find options that fit your business.
Process
How Equipment Financing Works
Equipment Financing for Startups
Startups often face challenges accessing capital. Some lenders in our network work with newer businesses and may consider factors such as revenue potential, contracts, or cash flow forecasts. Each lender sets its own criteria, and approval is not guaranteed.
Start your request-
Step 1
Choose the Equipment
Identify what you want to purchase or lease.
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Step 2
Submit Your Request
Share basic business and financial details.
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Step 3
Lender Review
The lenders in our network review your request and present available terms.
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Step 4
Funding
If you accept an offer, the lender funds the transaction directly or through your vendor.
Calculator
Equipment Financing Calculator
Plan with our Equipment Financing Calculator. Enter an example amount, rate, and term to see how they affect a monthly payment and total interest. It’s a planning tool only; actual rates and terms are set by the lender.
Estimated monthly payment
$1,902
- Total interest
- $16,305
- Total repayment
- $91,305
For illustration only. This calculator does arithmetic on the numbers you enter; it is not a quote, an offer of credit, or a statement of available rates. Better Rise Capital does not set rates or terms. Actual rates, fees, terms, and payments are set by the lender and depend on its review.
Qualify
How to Qualify for Equipment Financing Loans
Submitting a request is quick and easy, and our soft credit inquiry won’t impact your credit score. Lenders typically consider:
- Your business credit history
- Equipment type and value
- Industry and years in business
- Financial strength and cash flow
A Simple Process for Equipment Financing
Tell us what you need and we’ll walk you through options from lenders in our network.
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Step 1
Tell us the amount you need
Fill out our simple form with the amount you need and set your preferred time for a callback. We will work with you to find a convenient time.
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Step 2
Explore your financing options
Talk with our funding specialists to explore options from lenders in our network and find terms that suit your needs.
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Step 3
Lender review & funding
The lenders in our network review your request and present available terms. If you accept an offer, the lender funds the transaction directly. Approval is not guaranteed.
FAQ
Frequently Asked Questions
We’ve answered a few FAQs to get you started. But please don’t hesitate to reach out with more.
Contact Us What is the difference between equipment financing and leasing?
Equipment financing lets you own the equipment by the end of the loan term, while equipment leasing provides access without ownership until the lease ends.
What are typical equipment financing rates?
Rates are set by each lender and depend on your credit profile, the equipment cost, and the repayment term. Our calculator illustrates payments, but it is not a quote. The lender discloses its actual rates and fees before you accept an offer.
Is collateral required for equipment financing?
In many cases, the equipment itself serves as collateral. Each lender sets its own requirements.
Can startups get equipment financing?
Some lenders in our network work with newer businesses, and we can help startups explore equipment financing options. Approval depends on each lender’s criteria and is not guaranteed.
What industries use equipment financing?
Businesses in construction, manufacturing, farming, restaurants, logistics, and many other industries use equipment financing. Eligibility is determined by each lender.
Explore Equipment Financing for Your Business
Getting the equipment you need shouldn’t be complicated. Better Rise Capital’s simple process helps you explore equipment financing options from lenders in our network, so your business can keep moving forward. The lender you choose makes the final decision.
Free to submit. Our soft credit inquiry won’t impact your credit score; a lender you move forward with may run its own credit check.