Equipment Financing for Small Businesses
Equipment financing lets you put working machinery on the job without draining cash reserves. Cap Fi Capital is a finance broker: we take one application, match it to lenders in our network, and manage the file from submission to funding.
What equipment financing covers
Equipment financing is secured by the asset itself, which is why approval often depends more on the equipment and time in business than on a perfect credit profile.
- Box trucks, semi-trucks, trailers, and service vehicles
- Excavators, skid steers, and other construction machinery
- Manufacturing, restaurant, medical, and shop equipment
- Titled and non-titled assets, new or used, dealer or private party
What lenders typically look at
Requirements vary by lender, and part of our job is knowing which programs fit a given file before it is submitted. Common considerations include:
- Time in business and industry
- Personal and business credit history
- Monthly revenue and recent bank statements
- The type, age, and value of the equipment being financed
- Down payment or first-and-last-payment structure
How the process works with Cap Fi Capital
You create a portal account, complete your business profile, banking relationships, and asset list, then upload documents once. We review the file, select lenders that match your profile, and keep notes on each submission inside your portal so you always know where the file stands.
When an offer comes back, you review terms, sign the funding contract electronically, and pay any invoices directly in the portal.
Frequently asked questions
Is Cap Fi Capital a lender?
No. Cap Fi Capital LLC is a finance broker. We present your file to third-party lenders and lending partners; the lender makes the credit decision and sets final terms.
How long does equipment financing take?
Timelines depend on the lender and how quickly documents are provided. Files with complete bank statements, an equipment quote, and identification move fastest.
Can I finance used equipment?
Often yes. Many lenders finance used equipment, though age and condition can affect term length and rate.
Start your file
Create a secure portal account, upload your documents once, and track every lender submission in one place.
Get started