EQUIPMENT FINANCING

For Your Small Business

Fast funding
Finance $10,000 to $5 million
Terms from 12 months to 5 years

Get Started Today

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WHAT IS AN EQUIPMENT FINANCING?

Equipment financing is a way for businesses to obtain equipment through a loan or lease. It can be used to purchase almost any tangible asset for a business. Some examples of equipment that can be financed include: medical equipment, office furniture, production equipment, and technology.

SIMPLE APPLICATION

Our simple 15-second online application can get you matched with offers in minutes.

580+ FICO

Bad credit? No problem! Most of our top financing options have a minimum of just 580 FICO.

LARGER AMOUNTS

Get matched with the best financing options with the highest funding amounts.

FAST FUNDING

Our fintech speed can get you in and out of Underwriting in just a few days.

WHAT DO YOU NEED TO QUALIFY?

No Minimum Time in Business

You can qualify for our top financing options, regardless of the age of your business. Companies with under two years time in business are capped at $50,000.

No Minimum Monthly Gross Sales

You can qualify for equipment financing with no minimum in monthly gross sales.

Credit Requirements Vary Based on Equipment

We have financing options for all credit profiles. The minimum FICO score required to apply is 580. All equipment financing transactions are based on the following: time in business, FICO, equipment type, annual revenue, industry, geographical location, and other compensating factors.

WINCHESTER FUNDING SOLUTIONS

Fast & Hassle-Free Loan Process

We simplify the loan application process, ensuring quick approvals and minimal paperwork, so you can focus on growing your business without delays.

Customized Loan Solutions

Every business is unique, and so are its financial needs. We tailor loan options to fit your specific goals, whether it's expansion, equipment purchase, or working capital.

Competitive Rates & Flexible Terms

We work with a wide range of lenders to secure the best interest rates and repayment terms, ensuring you get the most cost-effective financing solution.

Expert Guidance & Support

Our team of experienced loan brokers is here to guide you every step of the way, answering your questions and helping you make the best financial decision for your business.

Getting started is easy

STEP 1. APPLY ONLINE

Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.

STEP 2. REVIEW OPTIONS

Your personal loan advisor will discuss finance options available with you for your business.

STEP 3. RECEIVE YOUR FUNDS

Finish the online application process and receive your funds in as little as 24 hours.

Frequently Asked Questions

WHOW DOES EQUIPMENT FINANCING WORK?

Equipment financing refers to a loan used to purchase business-related equipment. Instead of using your working capital to purchase the qualifying equipment, equipment financing allows you to finance the full equipment cost and repay the interest and principal over fixed terms. Once the payback period is complete, you will own the piece of equipment outright.

WHAT'S THE DIFFERENCE BETWEEN FINANCING AND LEASING?

Financing and leasing are similar in some ways, but quite distinct in others. Though both options help you to break down the cost of equipment into manageable amounts, they differ in structure. When you use financing to acquire equipment, you maintain ownership during and after the plan. With leasing, your lender technically has ownership of the equipment and you’re paying for use of it. This does not necessarily mean the lender can take back the equipment at the end of the lease. Most often, the equipment is on a lease-to-own plan that would allow you to take ownership of the equipment after the lease. Both options have advantages and a knowledgeable financing consultant will be able to help you find the best fit for your company.

HOW HARD IS IT TO GET EQUIPMENT FINANCING AS A START-UP?

If you find a lender with experience working with newer companies, the process doesn’t have to be difficult. You may have to rely on your personal credit history or accept a slightly higher interest rate, but at the end of the day, getting equipment financing for a new business is 100% possible.

Whether you’re a small business owner seeking capital or a financial institution looking to scale your lending, our funding solutions will help you bridge the gap between where you are and where you want to be.