Getting the equipment your business needs shouldn't be complicated. With fast approvals and flexible financing options, you can secure the machinery and tools essential for your operations. Whether you're upgrading existing equipment or expanding your business, you'll find payment solutions that fit your budget and timeline. Our streamlined process makes it simple to get the equipment financing that works for your specific needs.
Your business has unique needs, and your equipment financing should reflect that. Instead of forcing you into a one-size-fits-all solution, you get customized financing options designed around your specific cash flow, growth plans, and operational requirements.
Whether you're replacing outdated machinery, expanding your capacity, or adding new services, you can access the capital you need while preserving your working funds for daily operations. With flexible payment structures and competitive terms, you'll find financing solutions that support your growth without putting unnecessary strain on your budget.
Business Experience
2+ Years
in business can help you qualify for better terms
Good Credit Rewarded
650+
FICO score qualifies for competitive rates and flexible terms
Business Income Guidelines
$150k+
yearly revenue shows the cash flow needed for equipment payments
Sector-Specific Solutions
Tailored
equipment financing for your industry's unique needs and requirements
When you choose term equipment financing, you get more than just funding—you gain a financing partner committed to your success. You'll enjoy competitive rates, fast approvals, and payment terms that align with your business cycle, helping you stay productive and profitable.
Your financing is structured to handle seasonal fluctuations, reduce upfront costs, and preserve your working capital for what matters most to your daily operations. With experienced industry expertise and a relationship-first approach, you get the equipment you need—when you need it—with confidence and clarity.
From day one, the focus is on creating long-term value for your business so you can keep moving forward toward your goals.
With years of industry expertise and a relationship-first approach, we’re here to help you get the equipment you need—when you need it—with confidence and clarity. From day one, we focus on creating long-term value for your business so you can keep moving forward.
Term equipment financing is a loan specifically designed to help businesses purchase equipment with fixed monthly payments over a predetermined period. Unlike leasing, you own the equipment from day one while spreading the cost over manageable monthly installments, typically ranging from 12 to 72 months.
Term equipment financing is asset-based, meaning the equipment itself serves as collateral, which typically results in lower interest rates and easier approval. Unlike general business loans that can be used for any purpose, equipment financing is specifically tied to the equipment purchase. This focused approach often means faster approval times, higher approval rates, and the equipment can be financed up to 100% of its value.
You can finance virtually any type of business equipment including construction machinery, medical equipment, restaurant equipment, manufacturing tools, technology hardware, vehicles, and more. If it's essential to your business operations and has resale value, it can likely be financed.
Regular, on-time payments help build and improve your business credit profile. Equipment financing can establish positive payment history that benefits future financing needs.
You’re an expert on your business, let us be the expert on equipment lending. Our team of equipment loan advisors are here to help you every step of the way.
5 Stars
(11)
Jerry Moreira
Great Sales Team, overall a good experience. I signed all paperwork at distance (docusign) and obtained a great commercial rate (interest). Laura and her leadership was decesive in my involment with CEFI…
Lenix Reyes
Dedicated Commercial Bank. We are costumers since few years ago. Laura is a great professional and helps me to complete our goals. If you need some financial advice and financing services call CEFI.
Meta Transport
I 100% recommend this company. They helped me buy my first truck and I’m now on my 12th all because of CEFI! Five stars. I want to thank them for all their help. Especially Sergio and Alexis…
