Business funding
Equipment Financing
Finance the equipment your business needs to operate, grow, or expand — instead of paying the full cost up front. From commercial kitchens to heavy machinery, equipment financing ties the capital directly to the purchase.
Industry examples
Equipment we commonly help finance
Gyms
Workout machines, cardio equipment, strength-training equipment, and other commercial fitness equipment.
Bakeries / Restaurants
Commercial ovens, refrigeration, prep equipment, and commercial kitchen equipment.
Medical practices
Imaging, diagnostic, medical, and practice-related equipment.
Construction
Machinery, construction equipment, heavy equipment, and specialized tools.
Other businesses
Industry-specific equipment required for operations or expansion.
Approximately 650+
A general personal-credit guideline for equipment financing — a guideline, not a cutoff.
Credit score alone does not determine approval
Depending on the lender and product, underwriting can also review business revenue, profitability, cash flow, existing debt, time in business, business bank statements, tax returns, financial statements, personal credit, and other supporting documentation. Requirements vary by lender and program.
Documentation
Commonly requested documents may include
- —Equipment quote or invoice
- —Vendor information
- —Equipment description
- —Business bank statements
- —Business formation information
- —Government-issued identification
- —Personal credit authorization
- —Business financial statements, when applicable
- —Business tax returns, when applicable
- —Personal tax returns, when applicable
- —Existing business debt information
- —Additional lender-specific documentation
Documentation varies by equipment, amount financed, borrower, lender, and business financial strength.
Requirements vary by lender and program. Subject to lender underwriting and approval.
Education
Learn before you apply
What lenders actually look at
Credit, time in business, revenue, documentation, and the age of any negative marks: the factors behind most funding decisions.
Equipment financing: what it covers
Vehicles, machinery, technology, and other business equipment, financed with the equipment itself as collateral.
Common questions
Equipment financing, answered plainly
What is equipment financing?
Equipment financing is business capital tied to a specific equipment purchase — it helps an eligible business finance the equipment required to operate, grow, or expand, rather than paying the full cost up front. The equipment being financed is central to the transaction, which is why lenders commonly request a quote or invoice and vendor information. Structures and terms vary by lender and program, and all financing is subject to lender underwriting and approval.
What documents will I need?
Commonly requested documents may include an equipment quote or invoice, vendor information, business bank statements, formation information, and identification — with financial statements and tax returns requested when applicable. Documentation varies by equipment, amount financed, borrower, lender, and business financial strength.
Does one late payment disqualify me?
Generally, no. A single negative item is weighed as part of your overall credit profile. We generally prefer negative items to be approximately two or more years old; more recent items can make underwriting more difficult. Subject to lender underwriting and approval.
Ready to finance the equipment you need?
Tell us what you’re buying and we’ll walk you through the options.
The guidelines on this page are general guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program. TK Capital Solutions is not a lender; all funding is subject to lender underwriting and approval.