Equipment Financing Explained

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How Equipment Financing Works for Your Business

Step 1: Equipment Selection & Application

Browse and select equipment from any dealer or supplier - new or used equipment both qualify. Complete our simple online application with basic business information including revenue, time in business, and equipment details. The entire application takes just minutes to complete.

Step 2: Fast Approval Process

Our team reviews your application and provides approval decisions within 24-48 hours. We evaluate your business's overall strength, not just credit scores, and the equipment itself serves as collateral, making approval easier than traditional business loans.

Step 3: Funding & Equipment Delivery

Upon approval, we handle payment directly to your equipment supplier while you coordinate delivery and installation. Start using your equipment immediately while making predictable monthly payments that preserve your working capital for business growth.

Equipment Sourcing

Browse any dealer, manufacturer, or supplier - we finance equipment from all sources.

Application Process

Straightforward application using standard business financial information

Financing Approval

Receive approval decisions within 24-48 hours with competitive rates and terms.

Why Choose CEFI for Equipment Financing

When you need equipment financing that combines speed with expertise, CEFI delivers results that matter to your business. With over $811 million in equipment financed across 1,445+ satisfied companies, we understand what growing businesses need: fast approvals, competitive rates, and financing solutions that actually work for your cash flow and growth plans.

You'll get approval decisions within 24-48 hours, not weeks of waiting. Work directly with experienced financing professionals who understand your industry and can structure terms that fit your operational needs. Whether you need a single piece of equipment or want to finance an entire fleet, CEFI provides the speed, flexibility, and expertise that keeps your business moving forward while preserving your working capital for growth opportunities.

Tailored Financing Solutions

Customized plans that align with your business needs and budget.

Industry Expertise

Knowledgeable professionals who understand the nuances of your specific sector.

Efficient Processes

Streamlined application and approval processes to get you the equipment you need quickly.

Proven Track Record

A history of successful partnerships with businesses across various industries.

Strategic Support

Enhanced customer service and ongoing advice to maximize your investment.

Get Equipment Financing + Immediate Tax Deductions

Section 179 allows businesses to deduct the full cost of qualifying equipment in the year of purchase. Finance your equipment and maximize tax savings up to $1.22 million annually.

Calculate Your Tax Savings

Get Approved.
Get Funded.
Get Going.

Submit
Our simplified application process is designed to be completed in just a few minutes.
Approval
Once your application is complete, it will be reviewed and you will receive an answer within 48 hours.
Funding
Upon approval, your equipment will be funded and you can start using it to help grow your business.

Apply Now

Easy to Qualify. Minimum Requirements.

Term Equipment Finacing

Own your equipment immediately with fixed monthly payments over 12-72 months while claiming full tax benefits and building business equity.

Operating & Capital Leases

Choose operating leases for lower payments and 100% tax deductibility, or capital leases to build equity toward ownership with depreciation benefits.

TRAC Lease

Commercial vehicle leasing with no mileage restrictions, guaranteed purchase options at predetermined prices, and full operational control.

Most businesses can qualify for equipment financing with straightforward requirements that demonstrate stability and repayment ability. Our qualification process focuses on your business's overall strength, not just credit scores.

Basic Qualification Requirements:

2+ years in business - Shows operational stability
$250,000+ annual revenue - Demonstrates cash flow for payments
650+ credit score - Qualifies for competitive rates
Equipment as collateral - Reduces qualification barriers

Documentation Typically Required:

Business tax returns - Last 2 years to verify revenue and business performance
Bank statements - Most recent 3 months showing cash flow patterns
Equipment quote or invoice - Specific details about the equipment being financed
Business license - Proof of legitimate business operations
Completed application - Basic business and personal information

Qualification Advantages:

Asset-based lending - Equipment serves as collateral, making approval easier than unsecured loans
Flexible credit requirements - 650+ preferred, but exceptions considered based on overall business strength
No industry restrictions - We finance equipment across virtually all business sectors
New and used equipment - Both qualify for financing with competitive terms
Fast decisions- 24-48 hour approval process keeps your equipment purchase on schedule

What This Means for Your Business: These straightforward requirements help ensure you get financing terms that support your cash flow while building your business credit profile. Unlike traditional bank loans requiring extensive documentation and lengthy approval processes, our equipment-focused approach recognizes that the right equipment drives business growth and revenue generation.