A very wide range. In general, if the asset supports business operations, there’s a strong likelihood it can be financed.
Common examples include construction and heavy equipment (e.g., forklifts, excavators), manufacturing and production machinery, medical and dental equipment, restaurant and hospitality equipment, office equipment, commercial printing and photography equipment, security and fire suppression systems, technology hardware (including certain software), and more.
Intangible assets or leasehold improvements would be restricted and better suited for a working capital solution, and assets with elevated environmental or liability risk may be restricted as well.
If unsure, simply include a description of the equipment in your application and we’ll work to match you with an appropriate lender.

In most cases, yes. Personal guarantees representing 100% of business ownership are typically required unless your business qualifies for ‘corporate-only’ financing—generally reserved for well-established companies with strong operating history and prior corporate-only borrowing.

Yes, if your business qualifies for “Corporate Only” financing, we can review your application without a personal guarantee. If we are unable to pre-qualify your application or secure a “Corporate Only” approval offer, we’ll promptly notify you and request guarantor information to continue the approval process.

Absolutely, if your business is new or doesn’t qualify on its own, we may be able to secure approval using a cross-corporate guaranty from a more established affiliated business with common ownership and a strong credit profile

“Yes, while approval can’t be guaranteed, we can often revisit your application with additional supporting bank statements and/or financials to attempt addressing any initial concerns.

With an equipment loan (or Equipment Finance Agreement), you own the equipment from the start, while the lender holds a security interest in the asset until it’s fully repaid.
With a lease, the lender retains ownership of the equipment during the term, while you make regular payments for its use. Most leases include an option to purchase the equipment at the end of the term, often for a nominal amount–or return or upgrade it.
The right structure depends on your cash flow needs, tax considerations, and how long you plan to use the equipment.

In many cases, yes. Eligibility and finance term lengths will depend on the type of equipment, its age, and the lender. If the equipment is used or refurbished, please include its manufacture year in your application. Our team will assess your specific situation and identify which of our lending partners can accommodate your request.

Not necessarily. Many financing options offer little to no cost upfront, and qualified borrowers may be eligible for 100% financing: covering the full cost of the equipment, including delivery and installation cost allowances up to 30% of the invoice.
In some cases, 1 or 2 payments and/or a security deposit may be required depending on the lender, equipment, and overall credit profile, but our team will strive to secure the most favorable structure available based on your profile.

Our partners are known for fast decisions. Many straightforward applications receive a response within 24 to 48 hours. For larger or more complex transactions additional time or information may be required, but we’ll keep you informed and proactively work to secure a decision and competitive offer as quickly as possible.

Yes—for well-qualified borrowers, we can often secure offers including structured, flexible payment terms, including up to 90 days deferred, step payments, or seasonal payment schedules tailored to your business cycle.