Glossary
What is equipment financing?
Loan vs lease structures
Equipment loans give the borrower ownership from day one, with the lender holding a security interest in the asset. Equipment leases transfer use but not ownership; the lessee makes periodic payments and may have an option to purchase at lease end. Both structures have tax and accounting implications that vary by business.
From a lender's perspective, the key underwriting inputs are the creditworthiness of the borrower, the value and useful life of the equipment, and the borrower's ability to service the payments.
The broker and funder ecosystem
Equipment finance is heavily intermediated — brokers originate deals and submit to one or more funders or syndicates. Small funders handling dealer-originated or broker-submitted equipment deals benefit from a structured intake process that handles multiple submissions in parallel and tracks each through to a decision.
FAQ
Equipment Financing — common questions
What equipment qualifies for equipment financing?
Almost any tangible business asset — manufacturing machinery, commercial vehicles, restaurant equipment, medical devices, technology hardware. Lenders evaluate the asset's useful life, resale market, and collateral value alongside the borrower's creditworthiness.
How fast can equipment deals close?
Smaller equipment deals at non-bank lenders can close in days with a streamlined process. Larger or more complex transactions may take weeks. Speed depends on document completeness and workflow efficiency.
The institution around the intelligence
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