Equipment Financing
Equipment financing covers high-value business assets from medical imaging systems (MRI, CT scanners) to AI GPU clusters (NVIDIA Blackwell) and heavy construction machinery. Specialized lenders understand equipment residual values, industry cash flow cycles, and offer flexible lease and loan structures. Section 179 deductions make these purchases especially tax-efficient.
What You Need to Know
Equipment financing allows businesses to acquire the machinery, technology, and infrastructure they need without massive upfront capital outlays. Financing amounts typically range from $50,000 to $5,000,000+ depending on the equipment type, from medical imaging systems (MRI: $150K-$3M, CT scanners: $100K-$2M) to AI GPU clusters (NVIDIA Blackwell servers: $200K-$1M+ per rack) to heavy construction equipment (excavators: $100K-$500K, cranes: $200K-$2M). The equipment itself serves as collateral, which means approval is often easier than unsecured loans. Credit scores of 650+ are typical for the best rates, though some lenders work with 600+ for certain equipment types. Interest rates range from 5% to 20% depending on equipment type, borrower creditworthiness, and whether you choose a lease or loan structure. Leases allow lower monthly payments and easy upgrades at end of term, while loans build equity in the asset. Terms typically match the useful life of the equipment, 3-7 years for most business equipment. A major tax advantage: Section 179 allows businesses to deduct the full purchase price of qualifying equipment in the year of purchase (up to $1.16M in 2026), and bonus depreciation covers additional amounts. Processing times range from 48 hours for application-only deals under $350K to 2-3 weeks for larger transactions requiring full underwriting.