Equipment Financing

Equip Your Business for Success

Finance new or used equipment with flexible terms and competitive rates. Preserve your working capital while acquiring the tools you need to grow.

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Smart Equipment Solutions

Finance the Equipment Your Business Needs

Whether you're expanding operations, replacing aging equipment, or investing in new technology, equipment financing allows you to acquire essential assets without depleting your cash reserves. The equipment itself serves as collateral, making approval easier and rates more competitive.

At Union Point Commercial Finance, we work with a network of equipment lenders to find the best financing structure for your specific needs—whether that's a traditional equipment loan, a lease, or a sale-leaseback arrangement.

Up to 100%

Equipment Cost Financed

2-7 Years

Flexible Terms

$10K-$5M

Equipment Financing

Equipment We Finance

All Types of Business Equipment

From heavy machinery to technology systems, we finance equipment across all industries.

Vehicles & Fleet

Commercial trucks, vans, delivery vehicles, and fleet expansions.

Construction Equipment

Excavators, loaders, cranes, and heavy machinery for construction.

Medical Equipment

Diagnostic equipment, imaging systems, and medical devices.

Restaurant Equipment

Commercial kitchens, refrigeration, and food service equipment.

Technology & IT

Servers, computers, software systems, and tech infrastructure.

Manufacturing

Production machinery, CNC equipment, and assembly systems.

Retail & POS

Point of sale systems, displays, and retail fixtures.

Agricultural

Tractors, harvesters, irrigation systems, and farm equipment.

Financing Structures

Flexible Financing Options

Choose the financing structure that best fits your business needs and financial goals.

Equipment Loans

Traditional financing where you own the equipment from day one. Fixed rates and predictable payments.

Own the equipment outright
Fixed interest rates
Build equity in assets
Tax deduction benefits

Equipment Leasing

Lower monthly payments with options to purchase, return, or upgrade at the end of the term.

Lower monthly payments
Upgrade flexibility
Off-balance sheet options
Preserve credit lines

Sale-Leaseback

Unlock capital from equipment you already own by selling it and leasing it back.

Access trapped equity
Continue using equipment
Improve cash flow
Potential tax benefits

Why Equipment Financing

Benefits of Equipment Financing

Smart businesses use equipment financing to grow without sacrificing liquidity.

Preserve Cash Flow

Keep your working capital available for operations while spreading equipment costs over time.

Competitive Rates

Equipment serves as collateral, enabling lower rates compared to unsecured financing.

Tax Advantages

Potential Section 179 deductions and depreciation benefits for equipment purchases.

Fast Approvals

Streamlined process with decisions often within 24-48 hours for qualified applicants.

Flexible Terms

Customize payment schedules to match your cash flow and equipment useful life.

New & Used Equipment

Finance both new and used equipment to maximize your budget and options.

Frequently Asked Questions

Get answers to common questions about equipment financing

We finance virtually all business equipment including manufacturing machinery, construction equipment, medical devices, restaurant equipment, technology hardware, vehicles, and specialized industry equipment. Both new and used equipment qualify.

Buying builds equity and offers tax deductions through depreciation. Leasing preserves capital and provides flexibility to upgrade. The best choice depends on your cash flow, tax situation, and how long you'll use the equipment.

Equipment financing typically has the fastest approval process. Many applications are approved within 24-48 hours, with funding available in 3-7 business days. Timeline depends on equipment type and loan amount.

Section 179 allows you to deduct the full purchase price of qualifying equipment in the first year (up to $1,160,000 for 2023). Bonus depreciation may also apply. Lease payments are typically fully deductible as business expenses.

Down payments typically range from 0-20% depending on equipment type, age, and your credit profile. New equipment often qualifies for 100% financing. Used equipment may require 10-20% down.

Startups can qualify for equipment financing with strong personal credit (680+) and sufficient down payment. The equipment itself serves as collateral, making approval easier than unsecured business loans.

View All Equipment Financing FAQs

Ready to Finance Your Equipment?

Get expert guidance on equipment financing options. Our team will help you find the best rates and terms for your business needs

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Or call us at (800) 555-1234