Get the tools and machines you need now—without draining your working capital.
Fast decisions, flexible terms, new or used equipment.
Our application process is fast, simple, and designed around small-business realities. Here’s what to expect from start to funding.
Tell us about your business, monthly revenue, time in business, and what you’ll use the financing for.
We review your information, verify equipment, and match the best funding option—often within 24 hours.
Once approved, funds go directly to your vendor or reimburse your purchase so you can get to work immediately.
Both options help your business get the equipment you need — but the structure, ownership, and tax treatment differ. Here’s how to decide which fits your goals.
• Lower upfront costs
• Option to buy or upgrade at end of term
• Ideal for rapidly changing technology or vehicles
• Possible tax benefits (consult your CPA)
• You own the equipment from day one
• Fixed term and monthly payments
• Equipment serves as collateral
• Best for long-life assets or heavy machinery
Not sure which structure fits your purchase? CapEx can help you compare both options with your vendor quote and budget.
Equipment financing supports nearly every industry that relies on tools, machinery, or technology. Here are some of the businesses that use CapEx Resources to finance their equipment and keep projects moving.
Bucket trucks, scissor lifts, generators, trenchers, and other tools that keep crews on the job.
Excavators, skid steers, trailers, compressors, and other heavy equipment that drive productivity on site.
Vehicle lifts, diagnostic scanners, and shop equipment for mechanics, fleet owners, and logistics companies.
Imaging systems, lasers, sterilizers, and diagnostic devices for healthcare professionals.
POS systems, refrigeration, and kitchen or delivery equipment.
CNC machines, servers, robotics, and fabrication tools.
For more guidance on financing options, visit the U.S. Small Business Administration’s equipment loan resources.
Every business is different, which is why we offer a wide range of financing programs—covering new or used equipment, short or long terms, and a variety of payment structures.
Actual terms depend on credit profile, equipment type, and vendor program. Approvals subject to underwriting.
Fixed monthly payments make it easy to budget while keeping cash flow available for payroll and operations. Many clients also take advantage of Section 179 tax deductions for qualifying purchases—always check with your CPA to confirm eligibility.
Want to explore working capital too? See our Business Line of Credit options.
Businesses choose CapEx Resources for our speed, transparency, and flexible programs. Here’s what sets us apart from traditional banks and brokers.
Approvals in as little as 24 hours with streamlined document review.
Programs available for both prime and near-prime credit profiles.
We work directly with vendors to pay invoices fast and keep deliveries on schedule.
No hidden fees or prepayment penalties—know your total cost from day one.
Every on-time payment you make through an equipment financing agreement helps strengthen your company’s credit history. As your business credit grows, you can unlock larger funding opportunities — such as a revolving Business Line of Credit for ongoing projects and cash flow needs.
Most programs require a completed application, your last six months of business bank statements, and an equipment quote or invoice. In some cases, additional financials may be requested for larger amounts.
Yes. CapEx offers programs for both new and used equipment, depending on the age and condition of the asset.
Most equipment financing applications receive a decision within 24 hours. Once approved, funding can often be completed in as little as 1–3 business days, depending on the equipment type, vendor, and documentation required.
No. While strong credit can help secure better terms, perfect credit is not required. CapEx Resources works with a range of credit profiles and evaluates the full picture — including business performance, cash flow, and the value of the equipment being financed.
Many of our programs offer early payoff options with interest savings. Terms vary, so your CapEx specialist can review details with you before funding.
Yes, startup programs are available if you can show industry experience or provide a down payment or collateral.
In many cases, yes. You may also qualify for Section 179 deductions on qualifying purchases—always confirm specifics with your CPA.
Leasing lets you use the equipment for a set period with lower upfront costs and an option to buy or upgrade. Loans give you ownership from day one with fixed monthly payments.
