Equipment Financing
- Purchase the equipment your business needs.
- Funding from $10,000 to $200,000.
- 2 to 5 year terms with fixed monthly payments.
- Specialty programs for medical and construction equipment.
- 2 to 5 Year Terms
- $10K to $200K
- No Impact to Your Credit
- 5 Minute Application
Funding Quiz · 60 seconds
See how much Equipment Financing you could qualify for
Answer a few quick questions. Checking won't affect your credit score.
How much funding do you need?
No hard credit pull. Your info stays private.
Why Equipment Financing?
A business can't run without the right equipment. Whether it's trucks and forklifts or precision tools and medical machinery, modern equipment is a necessary part of running a successful business.
Equipment financing lets you get what you need now and pay for it over time with fixed monthly payments. Because the equipment secures the financing, you usually don't need to put up other assets. Your Rrova advisor works to get you a quick approval with repayment terms that fit your business profile.
Equipment Financing at a glance
- Funding amount
- $10,000 to $200,000
- Terms
- 2 to 5 years
- Payments
- Fixed monthly
- Collateral
- The equipment itself
- New or used
- Both accepted
- Credit check to start
- No hard pull
Who it's best for
- Construction, trucking and landscaping
- Medical, dental and restaurant owners
- Replacing aging or broken equipment
- Keeping cash free for operations
How Equipment Financing works with Rrova
- 1
Pick your equipment
Get a quote from any dealer or private seller for the new or used equipment your business needs.
- 2
Apply with Rrova
Take the funding quiz and share your quote. Your advisor matches you with lenders that finance your equipment type.
- 3
The lender pays your vendor
Once approved, the lender pays the seller directly, so you don't have to front the cash.
- 4
Put it to work
Your equipment is delivered and you make fixed monthly payments while it earns for your business.
Types of Equipment Financing
- Automotive repair shop equipment
- Commercial fleet vehicles and trucks
- Medical and dental equipment
- Restaurant equipment
- Construction equipment and heavy machinery
- Farm and landscaping equipment
- Manufacturing equipment
How does equipment financing work?
- 1Select the equipment you want to purchase
- 2Apply with Rrova
- 3The lender pays your vendor for the equipment
- 4Equipment gets delivered to your business
- 5You make fixed payments over time
Do I Qualify For Equipment Financing?
Minimum requirements
- 6 Months In Business
- Greater than $100K Annual Revenue
- 600+ FICO Score
To qualify for our business funding programs you'll need to meet a few minimum requirements. If you're not quite there yet, we'd still love to help you get there.
See If You QualifyYou deserve great service. With Rrova, you get real people to talk to.
Your U.S.-based funding advisor is here to help you through each step of the funding process.
Frequently asked questions
Do I need a down payment?
It depends on the lender and your profile. Many equipment financing programs require little or no money down because the equipment secures the financing.
Can I finance used equipment?
Yes. Many lenders finance both new and used equipment from dealers and private sellers.
Who owns the equipment?
With equipment financing, you own the equipment. The lender holds a lien on it until the financing is paid off.
Explore other programs
Business Line of Credit
A revolving credit line you draw from as needed and only pay on what you use. Ideal for ongoing expenses and unexpected opportunities.
Learn more
Working Capital
Upfront capital based on your business revenue to cover payroll, inventory, and operating costs. Quick decisions with minimal paperwork.
Learn more
0% Business Credit Cards
Stack 0% intro APR business credit cards for interest-free capital. Great for startups with good personal credit and no revenue history.
Learn moreImportant funding information
Rrova is a financial consulting firm, not a bank or direct lender. We help position your business to apply for third-party business credit and funding products. Any fees for our services are disclosed to you in writing before you enroll.
Funding amounts
Access up to $200,000 in business funding based on your credit profile, lender criteria, and approval. Amounts are not guaranteed and vary by applicant.
Rates & terms
Rates, terms, and any introductory offers are set by the lender and depend on your qualifications. Standard terms apply after any promotional period.
Collateral & guarantees
Unsecured funding options may be available without collateral. Personal-guarantee requirements vary by product and lender.
Timeline
Initial review typically takes 24–48 hours. Actual lender approval and funding times vary.