Find funding for your equipment.
Each class of equipment has its own lenders. Pick yours to see what lenders look for, or search for the machine you are buying.
Find equipment funding- Commercial Trucks: Class 8 sleepers, day cabs, owner-operators.
- Dump Trucks: Single axle, tandem, transfer dumps, roll-offs.
- Construction Equipment: Excavators, dozers, cranes, skid steers.
- Trailers: Dry van, reefer, flatbed, lowboy.
- Agriculture Equipment: Tractors, combines, planters, sprayers.
- Medical Equipment: Imaging, surgical, dental, lab equipment.
- Restaurant Equipment: Cooking lines, walk-ins, full kitchen builds.
- Manufacturing Equipment: CNC, press brakes, lasers, fabrication.
- Vocational Trucks: Bucket trucks, mixers, vacuum trucks.
- Technology Equipment: Servers, networks, AV, security systems.
Where the state changes the deal.
Emissions rules, storm seasons, a short working year: some equipment is financed differently from one state to the next. Where the state changes the conversation, there is a page for it.
Commercial Trucks: Texas · California · Georgia · Illinois · Florida
Dump Trucks: Texas · Florida · Georgia · North Carolina · Pennsylvania
Construction Equipment: Texas · Florida · California · Arizona · Colorado
Trailers: Texas · California · Illinois · Georgia
Agriculture Equipment: Iowa · Nebraska · Kansas · California · Texas
Medical Equipment: California · Texas · Florida · New York
Restaurant Equipment: Florida · California · Texas · Nevada
Manufacturing Equipment: Ohio · Michigan · Illinois · California · Texas
Vocational Trucks: Texas · Florida · California · Pennsylvania
Technology Equipment: California · Texas · Virginia
Read up on your equipment.
A few guides for each class: what lenders look at on the equipment, and what still works when credit is lower.
Commercial trucks
- Car Hauler Financing: What Lenders Look at on the Truck and the Trailer
- Class 8 Truck Financing: What Lenders Look At and Why
- Financing a Truck With New Authority: The Twelve-Month Problem
Dump trucks
- Dump Truck Financing: What Underwriters Ask Haulers
- Construction Equipment Financing With Challenged Credit: Excavators, Dozers, Loaders and Dump Trucks
- Equipment Financing With Bad Credit: What Lenders Look For When Your Score Is Under 620
Construction equipment
- Construction Equipment Financing With Challenged Credit: Excavators, Dozers, Loaders and Dump Trucks
- Financing a $100k+ Truck or Excavator When Your Business Is New
- Excavator Financing: Hours Matter More Than Years
Trailers
- Car Hauler Financing: What Lenders Look at on the Truck and the Trailer
- Flatbed and Step Deck Financing: Open-Deck Freight, Specific Assets
- Reefer Trailer Financing: Hours Matter More Than Years
Agriculture equipment
- Tractor and Combine Harvester Financing: What the Hours Tell a Lender
- Grain Bins and Dryers: When Equipment Becomes Part of the Farm
- Seasonal and Skip Payments: Matching the Loan to Your Actual Year
Medical equipment
- Diagnostic Imaging Equipment Financing: The Machine Is Only Part of the Cost
- Equipping a New Practice: What Lenders Look At When There Is No History
- Dental Equipment Financing: Operatories, Imaging and the Digital Stack
Restaurant equipment
- Financing a Restaurant Kitchen: The Hardest Easy Equipment to Finance
- Financing Equipment Through a Brand-New LLC
- Can You Finance Equipment With No Time in Business?
Manufacturing equipment
- CNC Machine Financing: The Machine, the Tooling and the Floor Under It
- Financing the Fab Shop: Lasers, Brakes and the Things Bolted Around Them
- Forklifts and Material Handling: Small Tickets, Long Fleets
Vocational trucks
- Bucket Truck Financing: Why the Boom Matters More Than the Chassis
- Tow Truck Financing: Rollbacks, Wreckers and Heavy Recovery
- Crane and Boom Truck Financing: Capacity, Certification and a Narrow Buyer Pool
Technology equipment
- Financing IT Equipment: The Refresh Is the Decision, Not the Purchase
- AV Equipment Financing: What Lenders Fund, From Conference Rooms to LED Walls
- How Long Should You Finance Equipment For?
For any equipment
Credit, newer businesses, down payment, terms, paperwork and taxes: the same questions, whatever you are buying.
Quick answers
- My Bank Said No on a Used Semi Truck. Where Can I Get Financing?
- Can a New-Authority Trucker Get Truck Financing?
- How Do I Finance a Car Hauler Trailer for a New Business?
- Equipment Financing With B or C Credit: What Works Around 550 to 650
- Is There a Marketplace That Matches Equipment Borrowers With Lenders?
- How Much Down Payment Do I Need for My First Dump Truck?
Finance terms, defined
Credit and approval
- No Credit Check Equipment Financing: What It Really Means, and What Works Instead
- Equipment Financing After a Bankruptcy or With a Tax Lien: What Lenders Need to See
- Co-Signers and Guarantors on Equipment Financing: When a Second Signature Helps
- Equipment Financing When You Are Not a US Citizen: Green Cards, Work Permits, Visas and ITINs
- Construction Equipment Financing With Challenged Credit: Excavators, Dozers, Loaders and Dump Trucks
- Semi Truck Financing With Bad Credit: Truck Age, Mileage and Down Payment
- How a Bigger Down Payment Helps Get a Challenged-Credit Equipment Loan Approved
- Equipment Financing With Bad Credit: What Lenders Look For When Your Score Is Under 620
- Used Car Hauler Financing With Challenged Credit: What Still Works
- Soft Pull vs Hard Pull When Shopping for Equipment Financing
- Equipment Financing With Bad Credit: What's Actually Possible
- Corporate-Only Equipment Financing: No Personal Guarantee, Explained
- Truck Financing for Owner-Operators With Challenged Credit
- Why Equipment Financing Applications Get Declined
- What Credit Score Do You Actually Need to Finance Business Equipment?
When the bank says no
- The Bank Said No Because the Equipment Is 10 or More Years Old. What Now?
- The Bank Said No Because You Are Rebuilding Credit. What Now?
- The Bank Said No Because You Have Under 2 Years in Business. What Now?
- The Bank Declined Your Equipment Loan. Here Is What to Do Next
- Equipment Financing With Past Credit Problems: Bankruptcy, Liens, Collections and Late Payments
- Equipment Financing for a Growing Company With Uneven Financials
- What Lenders Want in a Full Financial Package for Equipment Financing
- Large-Ticket Equipment Financing When the Bank Says No
- Second-Look Equipment Financing: Who Says Yes After the First No
New businesses and startups
- Equipment Financing for a Business Under One Year Old: What Changes at Three, Six and Twelve Months
- How Much Down With New Authority? Down Payments for Owner-Operators Under Two Years
- Financing a $100k+ Truck or Excavator When Your Business Is New
- Financing Equipment Through a Brand-New LLC
- Can You Finance Equipment With No Time in Business?
Down payment, terms, paperwork and taxes
- $1 Buyout Lease vs Fair Market Value Lease: Which One Fits Your Business?
- What Is a TRAC Lease, and How Does It Work for Trucks and Trailers?
- How to Check an Equipment Finance Company Before You Sign
- From Approval to Funding: The Closing Steps That Decide How Fast Equipment Financing Pays Out
- How to Compare Two Equipment Financing Offers Side by Side
- What Is an Equipment Finance Agreement (EFA), and Is It a Loan or a Lease?
- Large-Ticket Equipment Financing, From $500,000 to $5 Million and Up: Who Lends and What They Need
- Section 179 for Equipment and Trucks in 2026: What Qualifies, the Limits, and How Financing Fits
- Section 179 for Used Trucks and Trailers
- What a Second-Look Approval Really Costs: How to Read the Offer and Work Out the APR
- What Actually Changes State to State in Equipment Financing
- Bonus Depreciation vs Section 179: Two Different Tools
- What a UCC Filing Is, and Why Your Lender Files One
- Insurance Requirements on Financed Equipment
- Refinancing Equipment You Already Own
- How Lenders Decide What Your Equipment Is Worth
- Seasonal and Skip Payments: Matching the Loan to Your Actual Year
- How Long Should You Finance Equipment For?
- Equipment Financing or an SBA Loan? They Solve Different Problems
- How Long Does Equipment Financing Take? A Stage-by-Stage Timeline
- Financing Equipment Bought at Auction: Get It Done Before You Bid
- What Actually Determines Your Equipment Financing Rate
- What Documents Do You Actually Need for an Equipment Finance Application?
- Buying Equipment From a Private Seller: How to Get It Financed
- Financing Used Equipment: What Lenders Actually Look At
- Section 179 and Bonus Depreciation on Financed Equipment
- How Much Down Payment Do You Need for Equipment Financing?
- Equipment financing vs leasing: the real difference
Don't see your equipment?
Describe it in your own words when you apply. A person reviews every file before it goes to a lender, and EFN's service is free to you.
Equipment Funding Network is a match and routing service, not a lender. EFN does not make credit decisions and does not set your financing terms — the lender does. There is no cost to you to use EFN.