Equipment Financing, Secured by the Equipment. Let the Machine Carry Its Own Note.
Trucks, kitchens, machines, medical equipment and buildouts, financed against the equipment itself over a term matched to its useful life. Placed with our lending partners.
Equipment financing
Equipment financing is a loan to buy a vehicle, machine or buildout in which the equipment itself is the collateral, repaid in fixed payments over a term matched to the equipment's useful life. The business owns the equipment once the loan is paid off.
Batch Capital places equipment financing with its lending partners, sized on the vendor's quote. The lender is named in your agreement before you sign. Talk to Matt: +1 (201) 862-4048
The Terms, in Plain Words.
- How much
- Up to the vendor's quote. Some files fund the full quote; others ask for a down payment, depending on credit, time in business and the equipment.
- What it costs
- An interest rate and an APR, set by the lender on your file. Ask for every fee in writing.
- How it is repaid
- Fixed monthly payments over the term.
- How long
- Matched to how long the equipment earns: shorter for technology, longer for trucks and heavy machines.
- How fast
- As fast as 2 to 5 days from a complete file and a final quote.
- Collateral
- The equipment itself, so the rest of the business is not tied to the note.
Timing depends on the provider, the time of day you apply, and how quickly documents arrive. Files submitted with complete bank statements before 2 PM Eastern on a business day are the ones that fund fastest. Not every file funds in a day.
Use It for the Right Job.
The next truck or trailer
A kitchen, a chair, a machine
Keeping cash for the business
When Something Else Fits Better.
Working capital, not equipment
Real estate with the equipment
A planned project beyond one asset
Run the Arithmetic.
Computed with the same math the desk prices an offer with. An estimate, not an offer.
An $80,000 Truck Over Five Years.
$8,000 down, the rest financed monthly at an illustrative 11% APR. Your rate is set by the lender.
- Equipment cost
- $80,000
- Down payment
- $8,000
- Financed
- $72,000
- Monthly payment
- $1,565.45 for 60 months
- Total paid, with the down payment
- $101,927
The truck secures the note and the business owns it at payoff. Ask your accountant whether the purchase qualifies for Section 179 expensing in the year you buy it.
Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Run Your Own Numbers.
Drag or type any figure. Everything updates together.
Illustrative. Your rate is set by the lender on your file.
Monthly payment
$1,565.45
- Financed
- $72,000
- Total interest
- $21,927
- Total paid, with the down payment
- $101,927
The equipment secures the loan and the business owns it at payoff. Ask your accountant about Section 179 expensing.
See what you qualify forEstimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Have These Ready.
- A vendor quote or invoice for the equipment
- 3+ months in business (6 typical)
- Three months of business bank statements and a government ID
- Credit checked with a soft pull to apply
Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.
See Your Funding Options in a Minute.
Tap through a few questions. No hard credit pull, and Matt calls you back with real numbers.
How much are you looking for?
Commonly Asked Questions
Equipment financing is a loan to buy a vehicle, machine or buildout in which the equipment itself is the collateral, repaid in fixed payments over a term matched to the equipment's useful life. The business owns the equipment once the loan is paid off.
How does equipment financing work?
Do I need a down payment for equipment financing?
Is it better to finance or lease equipment?
Can I finance used equipment?
What do I need to apply for equipment financing?
How fast can equipment financing fund?
Funded in Four Steps.
Answer a few questions
About a minute, on this page. No hard credit pull.
Matt calls you
He reads what you sent and tells you what fits before anything is signed.
Lenders compete for the file
Your file goes to the funders it fits. Compare offers on Estimated APR and total payback.
Sign and get funded
The funder is named in your agreement before you sign. Funds land in the business account.
Keep Reading
This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.
Find Out Where You Stand in a Minute.
A few quick questions, no hard credit pull, and a person in New Jersey who calls you back.