Established in 1989, Crest Capital is a national lender specializing in providing growing businesses with no-hassle equipment financing and leasing. Quickly, easily, and at great rates.
to choose Crest Capital
Simplicity – Without the Credit Inquiry Hit: Crest Capital has a simple online form, and applying won’t place an inquiry on your personal credit. The Bank will stamp your credit, require several years of tax returns, and about a hundred other financial documents.
Time: Crest Capital can give you an answer fast. The bank will make you wait weeks.
100% Financing: The bank usually only finances 80% of the equipment, and no soft costs. Crest Capital will finance 100%, and will also finance soft costs, like delivery, installation, etc. (Lower Upfront Costs)
First Born Not Required: The bank will require cross collateral, meaning your home, your boat, and your kid’s college accounts all get tied up with your loan. Crest Capital leaves your life (and your kids) alone. No Blanket Liens, No Compensating Balances, No Loaning You Your Own Money!
Freedom: The bank will want you to keep a healthy balance in the bank, and pokes their nose into your debt to equity ratio and other numbers. Crest Capital doesn’t – we finance the equipment, without the mumbo jumbo. (No Financial Statement Covenants)
Credit Availability: If you borrow from the bank for equipment, you won’t be able to borrow later if an emergency comes up. Using Crest Capital for equipment purchases means you can still use the bank for emergencies. (Preserve Bank Lines for Working Capital)
No Hidden Charges: Banks love extra fees and nickel and diming you. Crest Capital doesn’t have time for that. Neither do you.
Fixed Term is Better: Your accountant will tell you – Crest Capital’s fixed term loan looks better on the balance sheet than a bank’s revolving terms. Oh, and the tax man agrees as well.
No Rate Adjustment: Do you REALLY think rates are going down? No, we don’t either. Which is why Crest Capital’s fixed terms are better than the bank’s adjustable rates.
No Yearly Re-Qualification: Crest Capital isn’t going to ask you to re-qualify for the loan annually. The bank will - just read the fine print.
About Crest Capital
Hear hundreds of business owners talk about their positive Crest Capital experience.
Equipment financing is a specialized loan or lease that lets you acquire equipment, vehicles, or software with payments spread over time. For small businesses, this approach preserves working capital, minimizes large upfront costs, and can unlock tax advantages (such as Section 179). Ultimately, it helps you scale your business without depleting cash reserves.
You can finance nearly any business-critical asset, from heavy construction machinery to specialized software solutions. Both new and used equipment typically qualify, offering flexibility for businesses across various industries.
Most applications are processed within a day or less. A typical 4-step approach:
A credit score of 650 is the minimum most equipment financing lenders typically require. Since this is business financing and not consumer financing, credit score is just one factor in the approval process. Other important qualifications include:
The four main benefits of equipment financing over cash purchase are: 1) Preserves working capital for growth and daily operations, 2) Provides predictable monthly payments instead of large cash outlays, 3) Offers potential tax advantages through Section 179 deductions, and 4) Allows immediate equipment use while the revenue it generates helps offset payments.
Equipment leasing grants you usage rights with lower monthly costs but no ownership until end-of-term purchase options. Equipment financing gives you full ownership from day one, typically with fixed payments and Section 179 tax benefits.
Yes. Crest Capital finances both new and used equipment, including pre-owned and refurbished assets. Typical age limits are up to 10 years, though eligibility varies by equipment type.
For amounts under $250,000, Crest Capital can often provide same-day approval, sometimes within a few hours. Larger requests usually get a decision within 24–48 hours.
Yes. Crest Capital supports businesses in almost every industry, from construction and professional services to manufacturing and IT. We work with machine shops, packaging and printing companies, food processing facilities, landscaping businesses, and many others. If you're a U.S.-based business needing equipment, we likely have a solution for you.
Financing can unlock significant tax savings through Section 179, allowing a first-year write-off of eligible equipment costs (up to $1,160,000). Interest expenses may also be deductible.
Most lenders, including Crest Capital, offer 100% financing with no down payment for qualified applicants. We can include soft costs like shipping, installation, or training up to 25% of the total equipment cost, helping preserve your working capital.
Yes. Many lenders allow early payoff, though penalty structures vary. Crest Capital typically offers minimal or no prepayment penalties, but there is no advantage in paying off early.
We offer flexible payment structures—monthly, quarterly, or seasonal—to match your cash flow cycles. Step-up or deferred plans are also available, enabling you to acquire equipment without straining finances.
With equipment financing, you typically own the asset outright once the final payment is made. In a lease, you may have a buyout or renewal option at term’s end.
Crest Capital delivers same-day approvals, flexible terms, and over 30 years of specialized expertise. Small to mid-sized businesses benefit from a fast, streamlined process, 100% financing, and fewer restrictions than traditional banks.
At Crest Capital, our strength is providing small and medium-sized businesses with the equipment, vehicle, and software financing you need at better rates, while also eliminating the hassle often encountered with typical bank loans. Our customers benefit by only completing a simple application without the need for tax returns and financial statements, and getting a decision immediately rather than waiting weeks.
Crest offers a broad array of equipment, vehicle, furniture, and software lease and loan agreements at fixed rates that won't go up with inflation. Crest also provides a simple process to get started - use our fast and free “check your eligibility instantly” at the top of this page. No telemarketing, no hassles, and no pressure. We've flourished for more than 30 years because we simply deliver the equipment financing and equipment leasing that businesses like yours need.
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