FUNDING SOLUTION
Acquire the Equipment Your Business Needs
Don't let a major equipment purchase drain your cash reserves. Finance vehicles, machinery, technology, and more with terms designed to preserve your working capital while your business grows.
Soft credit pull, won't affect your score. No obligation.
Financing Amounts
$10,000 – $500,000
Terms
12 – 60 months
Approval Speed
24 – 72 hours
Structure
Equipment serves as collateral
OVERVIEW
What Is Equipment Financing?
Equipment financing allows your business to purchase or lease the machinery, vehicles, technology, or tools you need without paying the full cost upfront. Instead, you spread the cost over time with fixed monthly payments, keeping your cash reserves intact for day-to-day operations.
Because the equipment itself typically serves as collateral, equipment financing often comes with more competitive rates and longer repayment terms than unsecured loans. At Monera Capital, we work with businesses across industries to finance everything from commercial vehicles and construction equipment to restaurant ovens, salon stations, and medical devices.
What you pay depends on the equipment, the term, and your business profile. Our guide to how business funding costs work explains rates, fees, and how the numbers add up over the full term.
Weighing a lease instead of a purchase? Our comparison of equipment financing vs. leasing lays out how ownership, tax treatment, and end-of-term options differ between the two.
For a head-to-head against the unsecured route, machinery financing vs. a working capital loan covers term length, collateral, and what each application asks you for.
How It Works
Tell Us What You Need
Apply online and let us know what equipment you're looking to purchase or lease. Include details about the vendor, cost, and type of equipment.
Get a Custom Offer
Our team evaluates your business and the equipment purchase to structure the best terms. Most offers are delivered within 24 to 72 hours.
Acquire Your Equipment
Once approved, we fund the purchase directly. You get your equipment and begin making fixed monthly payments on a predictable schedule.
Why Finance Equipment with Monera Capital
Preserve Your Cash Flow
Keep your working capital available for payroll, rent, and daily operations instead of tying it up in a single large purchase.
Longer Repayment Terms
Terms up to 60 months mean lower monthly payments that align with the useful life of your equipment.
Equipment as Collateral
The equipment you're financing serves as the collateral, so you don't need to pledge other business or personal assets.
Tax Advantages
Equipment financing payments may be tax-deductible as a business expense. Consult your accountant about Section 179 deductions and depreciation benefits.
What Equipment Can You Finance?
Commercial Vehicles
Trucks, vans, delivery vehicles, and fleet additions for transportation and logistics.
Construction Equipment
Excavators, loaders, cranes, scaffolding, and heavy machinery for job sites.
Restaurant & Kitchen Equipment
Ovens, refrigerators, prep stations, POS systems, and dining furniture.
Medical & Dental Equipment
Imaging machines, dental chairs, diagnostic tools, and patient care technology.
Technology & IT
Servers, computers, networking equipment, software systems, and point-of-sale hardware.
Manufacturing Machinery
CNC machines, presses, assembly line equipment, and production tools.
Eligibility Requirements
Equipment financing is available to businesses across industries. Because the equipment serves as collateral, requirements are often more flexible than unsecured loan products.
- 6+ months in business
- $10,000+ in monthly revenue
- Active U.S. business bank account
- Equipment quote or invoice from vendor
- Valid government-issued ID
Already have a quote from your vendor? Include it with your application to speed up the process.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
Get the free checklist
Tell us where to send it. No obligation.
Explore Other Funding Options
Need capital for more than just equipment? These products can help.
Business Loans
A lump-sum loan with predictable terms for any business investment or growth initiative.
Working Capital Loans
Fast, flexible funding to cover operational expenses while you invest in equipment.
SBA Loans
Government-backed loans with competitive rates and longer terms for qualified businesses.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Equipment Financing FAQs
How much equipment financing can I get?
Equipment financing ranges from $10,000 to $500,000, with terms from 12 to 60 months that align with the useful life of your equipment.
Do I need other collateral to qualify?
No. The equipment you're financing serves as the collateral, so you don't need to pledge other business or personal assets.
How fast can I get an offer?
Most offers are delivered within 24 to 72 hours. Once approved, we fund the purchase directly so you can acquire your equipment.
What do I need to apply?
You'll need at least 6 months in business, $10,000 or more in monthly revenue, an active U.S. business bank account, an equipment quote or invoice from your vendor, and a valid government-issued ID.
Are there tax advantages to equipment financing?
Equipment financing payments may be tax-deductible as a business expense. Consult your accountant about Section 179 deductions and depreciation benefits.