Equipment Street Financing Resource Center

Get the Equipment Street Financing Purchasing Power
Our Equipment Lease and Loans Plans Make Equipment Procurement Affordable

Don’t let limited budgets stop you from getting the equipment your company needs to keep growing and meet its business objectives. Our lease and loan financing programs provide you with the ability to procure state of the art equipment, software and services with affordable financing programs that can be customized to meet almost any budgeting need. We have financing solutions that support almost any equipment your business depends upon to stay competitive:

Working Capital Small Business Loans that Maximizes Your Cash Flow

We make borrowing at Equipment Street Finance simple, secure and convenient. We give you the confidence of knowing that you will never be charged with unexpected fees, your interest rate will never change during your repayment term, no collateral is ever required. We are here to help small businesses get the capital they need without making the process so painful and complicated that it takes you away from what you do best… running your business.

Equipment Street Financing Menu

Equipment Leases

Get Ownership Flexibility
Monthly repayment terms to match your budget

Companies have a variety of payment options when it comes to acquiring the equipment they need to keep growing. Before utilizing your valuable cash and your more strategic bank credit lines, many businesses opt to use leasing as the most effective means of acquiring the equipment and software essential to stay competitive. Select from plans that give you the ability to purchase, return or continue to lease at the end of your term.

Equipment Leasing At-A-Glance
  • Loan Size:$1,000 to $250,000
  • Term:12 Months to 60 Months
  • Interest Rate:Market Driven
  • Payment:Fixed
  • Pay Period:Monthly
  • Payment Method:Invoice or ACH
  • Security:Equipment
  • Pre-Qualification Time:Instant
  • Funding Time:Pay seller same day equipment is in use
  • End of Lease Options:Purchase , return or continue to lease depending upon the selected lease plan
Here's How To Qualify
  • Only commercial business financing available
  • Demonstrate ability to repay debt
  • No current tax liens or judgments
  • No recent history of bankruptcy
  • Clean principle credit history when personal guarantees required
  • Must meet our acceptable equipment guidelines

Equipment Loans

Finance to Own
Preserve capital for more business critical needs

Our flexible loan offering is an affordable way to acquire the business equipment you need without utilizing your valuable cash reserves. Unlike a traditional lease to purchase plan, you actually own the asset throughout the repayment time period. The Equipment Street Loan product allows you to retain ownership of the equipment at the end of the term of the agreement without paying any type of end of contract buyout. This plan is typically referred to as an Equipment Finance Agreement and is one of the most popular choices businesses make to acquire the equipment they need.

Equipment Loans At-A-Glance
  • Loan Size:$1,000 to $250,000
  • Term:12 Months to 60 Months
  • Interest Rate:Market Driven
  • Payment:Fixed
  • Pay Period:Monthly
  • Payment Method:Invoice or ACH
  • Security:Equipment
  • Pre-Qualification Time:Instant
  • Funding Time:Pay seller same day equipment is in use
  • End of Lease Options:Own equipment
Here's How To Qualify
  • Only commercial business financing available
  • Demonstrate ability to repay debt
  • No current tax liens or judgments
  • No history of bankruptcy
  • Clean principle credit history when personal guarantees required
  • Must meet our acceptable equipment guidelines

Working Capital Loans

Small Business Cash Flow Loans
Loans up to $100K based off your total sales

The Equipment Street Working Capital Loan program offers you an alternative to credit cards, merchant cash advances and bank loans, with no hidden fees or arbitrary rate hikes and automatic daily payments for easy cash flow management. This product is a perfect match for customers that are storefront businesses that sell a lot of small ticket items to a lot of customers. Use your loan funds for all most any business need you have, whether its buying new equipment, inventory, supplies, furniture, marketing collateral, meeting payroll, and other cash needs…we can help you achieve your business goals.

Working Capital Loans At-A-Glance
  • Loan Size:$5,000 to $100,000
  • Term:6 Months or 12 Months
  • Interest Rate:
    14.99% for 12 month
    12.99% for 6 month
  • Payment:Fixed
  • Pay Period:Daily
  • Payment Method:Debit from Bank Account
  • Security:Personal Guarantee
  • Pre-Qualification Time:Instant
  • Funding Time:Under 2 Days
Here's How To Qualify
  • Own 80% or more of your business (50% if owned with a spouse).
  • You must own and operate your business.
  • Have been in business for at least 2 years.
  • Have an average bank account balance of $3,000 per month.
  • Must deposit over 15 times per month.
  • Must deposit a minimum of $10,000 per month.
  • Have a separate business bank account.
  • Operate a store-front or internet business that has daily sales.
Equipment Lease and Loan Financing News You Can Use

You have a variety of payment options when it comes to acquiring the equipment you need. Before utilizing your valuable cash and bank credit lines, many businesses opt to use repayment plans as the most effective means of acquiring new equipment. We are here to help you learn more about how financing can meet your equipment procurement and cash flow needs all at the same time.

Lease and Loan Financing Plans to Meet Your Ownership Needs

Equipment Street offers business owners a variety of plans to meet any cash flow requirement. Select from the following options or contact us to discuss your unique payment requirements.

$1.00 Buy Out —Once the lease term expires you can simply purchase the equipment for one dollar. Terms can range from 12 to 60 months and may require two payments in advance.

Fair Market Value Plan — This plan offers you the lowest payments and most flexibility. At the end of the lease term you can choose to purchase the equipment for its then fair market value price, return it or continue to lease.

Equipment Finance Agreement — Maintain ownership while you pay off your equipment with affordable monthly payments.

Seasonal Plans —If your business has high and low selling seasons, we can customize a repayment plan that matches your cash flow cycles.

Custom Plans —We can build payment plans that support the way you do business. Share with us your budgeting goals and your Equipment Street Financing Counselor will create a monthly payment schedule that’s right for you.

Get The Equipment Financing Advantage

As a business you have many purchasing options available to you when it comes to acquiring equipment. Equipment financing provides many advantages and benefits that need to be considered before you utilize your cash, bank lines or credit cards. Here’s why more and more businesses are choosing financing as their preferred purchasing strategy:

Preserve Your Cash —In a growing business maintaining adequate levels of working capital is critical. Lease and loan financing provides capital to support your equipment procurement needs so that cash can be used for your more vital operating needs.

It's More Convenient —In many cases, equipment costs up to $100,000 can be quickly approved with only a simple one page application. No financial statements; no need to visit your bank’s branch office; no long wait.

Get Tax Benefits —Depending on the structure of the financing and your company’s tax position, you may be able to deduct the full monthly payment against taxable income. Equipment financing does not contribute to AMT exposure.

100% Fixed Rate Financing —Banks generally require a large down payment and force you to open a checking account as well as maintain a minimum balance. Commercial bank loans are also generally priced over the Prime Rate, which can fluctuate during the term of the loan.

Working Capital Financing News You Can Use
Fair Lending, Not Cost Prohibitive Cash Advance Games

If you’ve owned and operated a relatively healthy business for two years or more, and are seeking short term (6 to 12 months) loan from $5,000 to $100,000, a small business loan from Equipment Street Financing offers a fast and convenient way to achieve your working capital goals. Here’s why companies like yours are taking advantage of our working capital program:

Easy to Apply — With our automated loan process, businesses can know if they credit qualify for an Equipment Street small business loan within minutes.

No Up Front Costs — There are no upfront costs to apply or qualify for our small business loan.

Affordable Rates — Equipment Street Finance offers small business loans without the bureaucracy encountered with a bank and at a fraction of the cost of a merchant cash advance.

Fixed Daily Loan Payments — Fixed automated daily repayments means businesses don't have to worry about managing cash flows to make next month's payment.

No Prepayment Penalty — There is no prepayment penalty or pre-set amount on our loans because we are not factoring your receivables. It's OK to pay off loans early and further reduce your borrowing costs.

Loan Renewals – Our members are eligible to apply for loan renewal once 50% of the loan has repaid. Benefits of a renewal can be a higher loan amount or lower rate with good repayment history.

Your Equipment Street Financing Counselors can assist you in creating repayment plans that match your business with the right financing option. Use our Hands Free Financing services to prepare quotes, complete all the paperwork for you, and even work directly with your seller to make sure your purchases goes smoothly. Call us at 877.956.4858 for a free consultation today.

Program Highlights
  • Price to Win – Competitive pricing that matches the credit quality of your business
  • Simple Documentation – Easy to read, one page agreement
  • Fast Responses – Credit decisions in less than two hours
  • Credit Connect – We can support companies with challenging credit histories
  • Consulting Support – Ask our financing consultants to build a custom plan that’s right for you
  • Flexible Terms – No money down, deferred payments, and 12 to 60 month repayment terms available