Preserve Your Cash
Keep working capital and credit lines free for operations and emergencies.
Asset-Backed
Put new assets
Put new assets
to work today.
Acquire machinery, vehicles, or technology with the equipment itself as collateral — and keep your cash intact.
What It Is
Own it, use it.
Equipment financing lets you acquire the trucks, machinery, kitchen gear, medical devices, or technology your business needs — with the equipment itself serving as collateral. Because the asset secures the financing, terms are favorable and approval is straightforward.
You preserve working capital and credit lines for everything else, while putting revenue-generating equipment to work immediately. Up to 100% financing means little or nothing out of pocket.
Best For
Is this your lane?
- Buying trucks, trailers, or service vehicles
- Upgrading manufacturing or shop machinery
- Outfitting a commercial kitchen or restaurant
- Financing medical, dental, or diagnostic equipment
- Refreshing computers, servers, and tech hardware
The Process
How equipment financing works.
From application to funded in a few fast, transparent steps.
01
Pick Your Equipment
Choose the asset and vendor — new or used, from any reputable supplier.
02
Apply With a Quote
Submit your application and the equipment quote so we can match financing to the asset.
03
Fast Approval
Asset-backed deals underwrite quickly — most decisions in 1–3 business days.
04
Vendor Gets Paid
We pay your vendor directly and you take delivery, then repay on a fixed schedule.
Rates & Terms
The spec sheet.
| Amount | Up to $5,000,000 per asset |
| Term | 1 – 7 years |
| Financing | Up to 100% of equipment cost |
| Collateral | The equipment itself |
| Speed to fund | 1 – 3 business days |
| Tax treatment | May qualify for Section 179 deduction |
New and used equipment both qualify. Consult your tax advisor about Section 179 eligibility.
Eligibility / Requirements
Do you qualify?
Our baseline is simple. Most businesses that meet these benchmarks are a strong fit for equipment financing:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A quote for the equipment being financed
- U.S.-based business
Checking your options is free and won’t affect your credit score.
Why Apex Velocity
Built for momentum.
Up to 100% Financing
Acquire equipment with little or nothing down.
The Asset Is Collateral
No separate collateral needed — the equipment secures itself.
Potential Tax Savings
Financed equipment may qualify for Section 179 deductions.
New or Used
Finance from any reputable vendor, whether the gear is new or pre-owned.
Fast, Simple Approval
Asset-backed structure means quicker decisions and less paperwork.
Questions
Equipment Financing FAQ.
Virtually any business-essential asset: vehicles and trucks, manufacturing machinery, restaurant and kitchen equipment, medical and dental devices, computers, and more. If it’s a tangible asset that helps you operate, it likely qualifies.
Yes. Both new and used equipment qualify, as long as it’s purchased from a reputable vendor and holds verifiable value. Used assets are a common, cost-effective way to grow.
Often no. Many deals offer up to 100% financing, and the equipment itself serves as the collateral — so you typically don’t need to pledge additional assets.
Financed equipment may qualify for the Section 179 deduction, letting you write off part or all of the cost in the year you put it in service. Always confirm specifics with your tax advisor.
Related Funding
Other ways to fuel up.
Not quite the right fit? These products pair well with, or stand in for, equipment financing.
Long-Term Loans
Larger amounts over longer terms for lower monthly payments and big moves.
Learn moreLine of Credit
Revolving capital on standby — draw what you need, pay only for what you use.
Learn moreSBA Loans
Government-backed loans with the lowest rates and longest terms available.
Learn moreGet the gear. Keep your cash.
Finance the equipment that grows your business — with the asset as collateral.
Apply Now