Equipment Financing — Get the Tools Your Business Needs
Don't let equipment costs hold your business back. Our equipment financing programs offer up to 100% financing with fast approvals, allowing you to acquire the machinery, vehicles, technology, and tools your business needs to compete — without draining your working capital.
Types of Equipment We Finance
How Equipment Financing Works
Equipment financing uses the equipment itself as collateral, which reduces the lender's risk and often means easier qualification. You select the equipment you need, we finance the purchase, and you make fixed monthly payments over the term. At the end of the term, you own the equipment outright.
Unlike leasing, equipment financing builds equity in assets your business owns. And because the equipment serves as collateral, many businesses can qualify even without extensive credit history or large cash reserves.
Advantages of Equipment Financing
Need Equipment Financing?
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Frequently Asked Questions About Equipment Financing
What are the eligibility requirements for equipment financing?
Eligibility depends on your business credit profile, the type of equipment, and its useful life. The equipment itself typically serves as collateral, making it easier to qualify than unsecured financing. Most businesses with at least 1 year of operating history can qualify.
Can I get 100% financing for equipment?
Yes, many equipment financing programs offer up to 100% financing with no down payment required. Approval depends on your creditworthiness, the equipment type, and its expected useful life.
How fast can I get approved for equipment financing?
Equipment financing approvals can happen as fast as same-day for straightforward applications. Most decisions are made within 24-48 hours, with funding typically within 3-7 business days after approval.
What types of equipment can I finance?
3A Lending finances a wide range of business equipment including manufacturing machinery, construction equipment, commercial vehicles, medical and dental equipment, restaurant equipment, technology and IT infrastructure, agricultural equipment, and office furniture.