Financing guides for the machines that run your business
Most equipment financing content is written by lenders selling you their own product. We're independent: plain-English guides on what machines actually cost, what lenders look for on your specific equipment type, and payment calculators with real market rate ranges — so you walk into any financing conversation knowing the numbers.
Browse 43 equipment guides by category
Construction & Heavy Equipment
Machines that move earth, lift loads, and clear land.
- Skid Steer Financing: Dealer 0% Promos vs Independent Lenders, Honestly Compared
- Mini Excavator Financing: Captive Promos, Rental-Purchase, and Startup Approval
- Excavator Financing: Full-Size Machines, Captive Programs, and Hour Math
- Dump Trailer Financing: The Small-Ticket Loan That Starts Hauling Businesses
- Bucket Truck Financing: Rates, Boom Inspections, and Startup Approval
- Aerial Lift Financing: Scissor Lifts, Boom Lifts, and the Rent-vs-Own Line
- Wood Chipper Financing: The Tree Service's Second Machine, Priced Honestly
- Stump Grinder Financing: Tow-Behind vs Self-Propelled, and the Add-On Service Math
Trucks & Vocational Vehicles
Titled vehicles that are the whole business, from box trucks to reefers.
- Box Truck Financing: Delivery, Moving, and Expedite Startups Included
- Cargo Van Financing: The Mobile Trades' Rolling Shop, Upfit Included
- Septic Pump Truck Financing: What Vacuum Trucks Really Cost to Fund
- Tow Truck Financing: Wreckers, Rollbacks, and the Insurance Gauntlet
- Hotshot Financing: Dually + Gooseneck Packages and the Freight-Market Reality Check
- Reefer Trailer Financing: Unit Hours, Pre-Cool Tests, and Cold-Chain Economics
Food & Beverage
Kitchens on wheels and the machines behind craft food and drink.
- Food Trailer Financing: Custom Builds, Used Units, and Startup Reality
- BBQ Smoker Trailer Financing: Competition Rigs to Commercial Vending
- Commercial Pizza Oven Financing: Deck, Conveyor, and Wood-Fired Economics
- Commercial Coffee Roaster Financing: From 5 kg Shop Roasters to Production Lines
- Brewery Equipment Financing: Nano to 15 BBL, Deposits, and the Used-Market Truth
Medical & Health Practices
Practice build-outs and diagnostic equipment, where lenders lend on the license.
Automotive Service
Lifts, alignment, and paint — the machines that keep a shop earning.
Cleaning & Restoration
Rigs that turn a truck and a trailer into a route business.
Shops, Salons & Storefronts
Storefront and mobile service businesses built around their equipment.
- Salon Equipment Financing: Build-Outs, Chairs, and the Booth-Renter Question
- Pet Grooming Financing: Salon Build-Outs and the Mobile Van Boom
- Laundromat Equipment Financing: Retooling Costs, Distributor Programs, and Terms
- Car Wash Equipment Financing: Tunnels, In-Bay Automatics, and SBA Reality
- Gym Equipment Financing: Full Builds, Franchise Packages, and Used Iron
- Golf Cart Fleet Financing: Courses, Resorts, and Neighborhood Rental Operations
Manufacturing, Printing & Fabrication
Production machines — from CNC and fiber lasers to apparel printers.
- CNC Machine Financing: Job Shops, Startups, and the Haas-vs-Used Decision
- Fiber Laser Cutter Financing: Metal Fabrication's Highest-Stakes Machine Purchase
- Forklift Financing: Used Values, Captive Programs, and the Electric Battery Trap
- Screen Printing Equipment Financing: Manual to Automatic, What It Really Takes
- Commercial Embroidery Machine Financing: Rates, Leases, and Startup Reality
- DTF & DTG Printer Financing: Custom Apparel's Startup Machine, and the FMV-Lease Trap
- Laser Engraver Financing: CO2 vs Fiber, Desktop to Production, and the Consumables Truth
Trades & Outdoor Services
The specialized machines behind landscaping, forestry, and site work.
New guides are added regularly. Don't see your machine? Tell us what you're buying.
The three rules of equipment financing
- Never pay unsecured rates for secured purchases. Equipment loans are cheaper than working-capital loans and dramatically cheaper than merchant cash advances, because the machine is collateral. If someone quotes you MCA-style money for a titled truck, walk. (Why an MCA costs 3–5x more →)
- Two quotes minimum. Dealer/manufacturer financing vs. one independent lender. Each keeps the other honest, and the spread is routinely 1–3 points of APR. (How to compare offers →)
- Match the term to the machine's life. An 84-month loan on a 15-year machine builds equity; the same loan on a 6-year machine leaves you underwater when it's time to replace it. (Loan vs. lease →)
New to this? Start with the fundamentals of equipment financing →