Shop your equipment financing — not your credit.

Free for borrowers. One short application and we do the lender shopping for you. Your credit isn’t sent to a dozen banks: your deal goes straight to the lender that fits it, and you work with them directly.

Start your application

The application: about five minutes

Deals from $10,000. No obligation.

How it works: Three steps. You decide.

Every equipment loan follows the same path. We do the lender shopping, so you are not the one calling around.

  1. Apply in a few minutes One short application about the equipment, your business, and a rough financial profile. EFN runs a soft credit pull, so your credit score is not touched.
  2. We find the lender that fits your deal A person checks your deal against what each lender actually finances (the equipment, your state, your credit, the deal size) and sends it to the one that fits best. One lender at a time, never a blast.
  3. That lender contacts you. You decide. When the lender says it is interested, we email you who it is and how they will reach you, and your status link shows where your file stands. From there you work with the lender directly. No obligation to take the offer.

If that lender says no, we can try the next‑best fit, or you can stop there. Your call.

What you can finance: From yellow iron to exam rooms.

New or used, from a dealer and, with some lenders, a private seller or an auction. Not listed? Describe it when you apply.

Before you take the dealer’s financing.

The dealer’s offer comes from the lenders that dealer works with. It may be a good one. You only know once you have something to compare it with.

A second option costs you nothing
No fee to apply, no fee to be matched, and no fee if a deal funds. EFN will never charge or invoice a borrower.
A lender chosen for your deal
Your deal is checked against what each lender says it will finance: the equipment and its age, your state, your credit, and the deal size.
Your credit stays untouched
EFN runs a soft credit pull only, which does not affect your credit score.
Compare the whole cost, then choose
Your terms are set by the lender, not by EFN. Put the rate, fees, and total cost on its documents next to the dealer’s, and take the better deal.
Never sold, never blasted
Your information is not sold, and your file goes only to a lender a person has matched it with, one at a time.
You stay in charge
If that lender says no, we can try the next‑best fit, or you can stop there. Your call.

Straight answers

What does this cost me?
Nothing. EFN's service is free to you: no fee to submit, no fee to be matched, and no fee if a deal funds. Your financing terms are set entirely by the lender, so always review the rate, fees, and total cost on the lender's documents before you sign anything.

Does this trigger a hard credit pull?
No. EFN runs a soft credit pull only, which does not affect your credit score.

How fast is it?
The application takes about five minutes. A person then checks your deal against what each lender finances before anything is sent. The first response is typically within 1–3 business days, though complex deals may take longer.

What do I need to apply?
The equipment (type, year and condition, who is selling it, and the price), your company information, the owners behind the business, and a rough financial profile: revenue range, credit range, and the down payment you have available. The smallest deal EFN can work with is $10,000.

What if my credit is below 620?
It does not rule you out on its own. We work with lenders who consider scores below 620 — they often require a larger down payment.

Know your options before you sign.

About five minutes, start to finish. Free, and you can walk away anytime.

Start your application

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.