#1 Best Equipment Financing for Small Businesses in the U.S.

Choose the equipment you need, from the seller of your choice... and Crest Capital will deliver fast, hassle-free financing tailored to your business goals.

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Equipment Financing Solutions for Your Business Needs

At Crest Capital, we make equipment financing simple. Since 1989, we've provided fast approvals, competitive rates, and flexible payment options—helping businesses nationwide grow while preserving their cash flow. As your trusted partner for all equipment financing needs, we deliver financing expertise that drives business growth.

Low Rates / Flexible Terms
Better (and Easier) than a Bank
Fast Approvals (Within Hours)
Section 179 Friendly!
Easy “No Paperwork” Application
Progress Payments / Re-fi’s / Payoffs
Used Equipment = OK
Private Party Financing is Welcome

What Is Equipment Financing?

Equipment financing empowers businesses to acquire the equipment they need without tying up significant capital upfront. By breaking large purchases into predictable monthly payments, businesses can preserve cash flow while focusing on growth and day-to-day operations. It’s a smart choice—more than 80% of B2B equipment purchases are financed.

Whether you’re looking to add equipment, business trucks and vehicles, or other essential assets, equipment financing provides the flexibility and simplicity that businesses value most.

Don’t Let Cash Flow Restrict Your Business Growth.

When your company needs any type of equipment, we’re happy to provide you with a no-hassle equipment lease or equipment financing agreement. Plus, we do it with minimal paperwork, and fast approvals (just one quick and easy application up to $250k - leave your tax returns and financial statements at home.)

Equipment Financing from Crest Capital Makes Sense.

As new opportunities arise, the need for additional equipment becomes urgent. Whether a small family enterprise or a multinational corporation, all companies share a common denominator—cash flow is the lifeblood of business. Even for companies with large cash reserves, financing equipment acquisitions makes business sense by matching cost to benefit, so cash flow is predictable and justifiable. Rather than tying up precious working capital or bank lines, smart businesses let the equipment benefits pay for the equipment...while their cash reserves and borrowing power work to fund their future success. And that’s just the beginning of equipment financing benefits.

When Budget Dollars for New Equipment are Lacking, Everybody Suffers.

When budget dollars aren't available, equipment purchases are put on hold, stifling the progress of the company. This doesn’t help anyone. It doesn’t matter what side of the equation you are on – if you sell equipment, offering equipment financing will help you sell more of it. And if you are a buyer, financing equipmentenables you to grow and become more profitable. In fact, the only people who benefit from a company not buying new equipment are your competitors.

Equipment Financing through Crest Capital is the Solution.

When a business chooses to finance or lease, the cost of the equipment is spread over a multiple-year term keeping more working capital liquid to fund investments such as additional payroll or facility expansion. The business has the (profit-generating) equipment when it is needed, rather than waiting until cash is on hand. And the equipment vendor benefits as well—with a shorter sales cycle and 100 percent cash up front.

Equipment

Finance Solutions

100% Financing
Available

Used Equipment, even
Private Sales, OK

Same-Day
Turnaround

Benefits of Equipment Financing

Preserving Cash Flow

Protect your working capital and eliminate large upfront costs with equipment financing. Structured monthly payments ensure smooth cash flow, keeping credit lines free for other growth opportunities, payroll, and running your business.

Meaningful Tax Benefits

Equipment financing provides significant tax advantages through Section 179 deductions, allowing businesses to deduct the full cost of eligible equipment purchases. Additionally, interest payments may be tax-deductible. Consult your tax advisor about how financing business equipment could benefit your tax strategy.

Fast Approvals & Simple Process

Time-sensitive opportunities require quick decisions. Our streamlined application process ensures fast approvals so you can secure equipment when you need it. Most credit approval requests receive same-day decisions, getting you from application to equipment acquisition without delay.

Flexible Payment Options

Every business is unique, and so are our financing solutions. Our financing programs offer customizable payment plans including:

Seasonal payments aligned with your cash flow
Step-up payments that grow with your business
Traditional fixed rates for predictable budgeting
Custom terms for specific needs

Competitive Rates & Fixed Interest

Our efficiency and experience enable us to offer some of the most competitive equipment financing rates in the industry. Fixed interest rates provide the predictability you need to plan confidently for the future.

Understanding Equipment Financing Rates

Your equipment financing rate depends on several factors:

Business credit score and history
Type of equipment financed
Loan amount and term length
Time in business

We ensure complete transparency and help you understand all available options.

How Equipment Financing Works

Streamlined Process

Equipment financing with Crest Capital is designed to be fast and straightforward. Start by completing our simple online application. Most applicants receive a quick credit decision—typically the same day—so you can move forward without delays. Once approved, review the clear and transparent financing terms, ensuring they align with your business needs. Finally, acquire your equipment and put it to work immediately, supporting your business growth and operations without interruption.

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Key Components

Flexible loan terms tailored to your needs
Loan amounts from $5,000 to $500,000
Predictable monthly payments
Straightforward repayment terms
Clear eligibility requirements

Types of Equipment We Finance

Our equipment financing solutions are designed to meet a broad range of business needs across numerous industries. Whether you require heavy equipment for construction, manufacturing and industrial machinery, or commercial vehicles to keep your operations moving, we have you covered. We also finance technology systems, software, and general equipment for offices, retail, and service industries.

If your specific equipment isn’t mentioned here, don’t worry—we likely still finance it. Explore our full catalog of financed industries and equipment or contact us to discuss your unique requirements. Our goal is to support your business with tailored financing solutions that meet your needs.

Equipment Financing Options

Financing vs. Leasing

Choosing between financing and leasing depends on your business goals and cash flow priorities.

Financing: Own the equipment outright as you make predictable monthly payments, building equity and long-term value for your business.
Leasing: Enjoy lower upfront costs, flexibility to upgrade equipment, and reduced maintenance concerns—ideal for equipment with shorter lifespans or evolving needs.

Need help deciding? Explore both options here to find the right fit for your business.

Beyond Traditional Bank Financing

While traditional banks often have stringent requirements and lengthy processes, our financing programs offer:

Faster approvals
One simple application
More flexible terms
Better customer service
Competitive fixed rates
No blanket liens

Exceptional Customer Support

We don’t just fund your equipment—we’re here to support you through every step. Our dedicated account managers and responsive support team provide personalized guidance, ensuring you receive prompt, knowledgeable help whenever you need it.

Small Business Equipment Loans

We specialize in helping small business owners succeed by offering solutions tailored to their unique needs. In most cases, no down payment is required, making it easier to acquire the equipment you need without upfront financial strain. Our application-only programs offer high limits, simplifying the process and enabling faster approvals.

Additionally, we provide direct access to decision-makers, ensuring clear communication and efficient service. Our terms are designed to support your business growth, aligning with your financial goals and operational demands. Most of our customers are small businesses with 5 to 75 employees, and we take pride in helping them thrive.

Choosing the Right Equipment Financing Solution

Evaluating Business Needs

When selecting the ideal equipment financing option, evaluating your business needs is crucial. Begin by assessing the cost of the equipment and determining the desired term length for repayment. Consider the monthly payment amount that aligns with your financial goals and cash flow.

It's also essential to review your business credit, as it plays a significant role in the financing terms available. Analyze your financial statements and history to ensure they support your application. Lastly, think about the urgency of your equipment needs—some financing solutions offer faster funding to help you seize time-sensitive opportunities.

Working with Equipment Dealers

At Crest Capital, we partner with trusted equipment dealers nationwide to streamline your purchasing process and ensure you get the best possible financing solution for your specific needs.

We also understand that you may already have a preferred dealer in mind - and that’s not a problem. We work seamlessly with dealers of your choice, ensuring the process remains simple, fast, and hassle-free. Our experience and streamlined approach mean you can focus on choosing the right equipment while we handle the financing details.

How does this benefit you?

Flexible Partnerships: Whether you’re buying from a nationwide network or a specific dealer, we adapt to your needs.
Quick Approvals: We keep the process efficient, providing fast credit decisions and straightforward terms.
100% Financing Available: Crest Capital can cover equipment costs, including delivery and installation fees, to keep your purchase smooth and stress-free.
No Interruptions: We coordinate directly with your chosen dealer, ensuring you receive your equipment on time without delays.

No matter where you purchase your equipment, Crest Capital delivers the same exceptional service and financing expertise. With us as your trusted financing partner, you get the equipment you need, the way you want it—quickly and efficiently.

To learn more about Crest Capital’s Equipment Financing and financing, select one of the options below:

Common FAQs About Equipment Financing

Q: What are the minimum requirements for equipment financing?
A: To qualify, businesses typically need 2+ years of operation, a solid credit history, and a demonstrated ability to make payments. Many transactions only require a simple application - no tax returns or financial statements needed.

Q: How long does the approval process take?
A: Most applications receive same-day credit approval, with funding typically available within 24-48 hours after documentation is completed.

Q: What is the difference between equipment financing and equipment leasing?
A: Equipment financing allows you to own the equipment while making monthly payments. Equipment leasing often involves lower upfront costs and the flexibility to upgrade equipment later. Learn more about financing and leasing options here.

Q: What are typical equipment financing rates?
A: Rates depend on factors like credit history, loan terms, and equipment type. At Crest Capital, we offer competitive fixed rates with full transparency - no surprises, just straightforward terms.

Take the Next Step

Don’t let equipment costs hold your business back. With Crest Capital, you can access fast approvals, competitive rates, and flexible finance programs tailored to your needs.

Take the next step toward growth with Crest Capital. With over 30 years of experience, our experienced team is here to deliver fast, flexible financing that helps your business succeed.

Whether you choose an equipment lease or equipment loan, Crest Capital is the right choice. Apply now and get approved today.

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Equipment Financing.
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