Equipment Financing
Get the equipment you need without depleting working capital
Finance 100% of machinery, vehicles, and technology using the equipment itself as collateral.
Overview
Equipment financing lets you acquire machinery, vehicles, technology, and other business equipment using the asset itself as collateral — often financing 100% of the purchase price. This preserves your working capital for operations and growth. Terms typically run 2–7 years with fixed payments aligned to the useful life of the asset. We arrange equipment loans and leases across construction, manufacturing, transportation, medical, technology, and restaurant equipment.
Key Benefits
Finance up to 100% of equipment cost
Fixed payments aligned to asset useful life
Preserves working capital for operations
The equipment secures the loan — less reliance on other collateral
Ideal For
Construction companies acquiring heavy machinery
Manufacturers adding production lines
Transportation companies buying vehicles
Restaurants and medical practices outfitting facilities
How It Works
A clear, structured process from first call to funded.
Equipment Identification
You identify the equipment and vendor; we help structure the financing to fit.
Quote & Approval
We secure competitive quotes from equipment lenders and arrange fast approval.
Documentation
We handle the loan or lease documentation and vendor coordination.
Delivery & Funding
The vendor is paid, equipment is delivered, and you begin fixed payments.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
Equipment Loan vs. Lease: Which Saves You More?
Loans build equity; leases preserve cash and offer flexibility at end-of-term. The right choice depends on asset depreciation, tax strategy, and how long you will keep the equipment.
Section 179 and Bonus Depreciation: A Financing Advantage
Tax incentives can dramatically reduce the after-tax cost of equipment. We explain how Section 179 and bonus depreciation interact with financing decisions.
Financing Used Equipment: What Lenders Look For
Used equipment financing is available and often affordable — but lenders evaluate age, condition, and residual value differently. Here is how to prepare.
Equipment Financing Case Studies
Real engagements, real outcomes. See how we have structured equipment financing for clients like you.
Manufacturing Equipment Financing - $3.5M
Industrial Manufacturing Company
The Challenge
A growing manufacturer won a major contract requiring $3.5M in new CNC equipment but could not tie up working capital or wait for traditional equipment loans.
The Teal Bay Solution
We structured an asset-based equipment financing package using the machinery as collateral, with flexible payment terms aligned to the client contract payment schedule.
The Outcome
Financed 100% of equipment costs, client fulfilled the contract on time, generated $9.2M in new revenue in year one, and expanded to two additional production lines.
Frequently Asked Questions
Straight answers to the questions we hear most.
Often yes, especially for new equipment from reputable vendors. Used equipment may require a small down payment depending on age and condition.