Category
· Denis Brandao · 8 min read
An equipment financing broker is a middleman who takes one application from your business to several lenders or leasing companies, helps you compare the offers that come back, and is paid when a deal…
· Denis Brandao · 10 min read
Equipment financing is a loan or lease that lets a business get the equipment it needs now and pay for it over time, with the equipment itself usually serving as collateral.
· Denis Brandao · 8 min read
An equipment financing agreement (EFA) is a contract where a lender pays for equipment, your business owns it from day one, and the lender keeps a security interest in it until the last payment…
· Denis Brandao · 15 min read
Key Takeaways 45% of small business loan applications are rejected solely due to credit score; a fixable number problem, not a business model problem. Four scoring models matter (Experian…
· Denis Brandao · 12 min read
Key Takeaways 82% of U.S. businesses use some form of financing when acquiring equipment, according to the Equipment Leasing & Finance Foundation's 2024 Horizon Report, making equipment financing one…
· Denis Brandao · 13 min read
Key Takeaways Equipment financing rates range from 4% to 25% APR in 2026. Your credit score is the single biggest lever, with 700+ unlocking the 4%–8% tier and below 650 pushing rates toward 20%–25%.…
· Denis Brandao · 14 min read
Key Takeaways New semi-trucks cost $130,000–$275,000; used units run $60,000–$160,000; trucking equipment financing spreads those costs over 24–84 months, with 60-month terms being most common. Rates…
· Denis Brandao · 13 min read
Key Takeaways A fully equipped food truck costs $75,000–$175,000 new; financing covers 80–100% of the purchase price when the truck serves as collateral, making approval easier than a standard…
· Denis Brandao · 17 min read
Key Takeaways Equipment loans carry just a 9% denial rate, the lowest of any loan category, because the asset itself backstops the deal, making no credit check approvals structurally viable. "No…
· Denis Brandao · 11 min read
Key Takeaways Medical equipment financing spreads costs of $50,000 to $500,000+ over terms of 12 to 84 months, with interest rates of 5% to 15% for well-qualified borrowers and $0 down available…
· Denis Brandao · 13 min read
Key Takeaways Used equipment financing rates range from 7%–20% in 2026; your credit score, loan amount, and the equipment's age all determine where you land in that range. Most lenders apply an "age…
· Denis Brandao · 14 min read
Key Takeaways Outfitting a laundromat from scratch costs $200,000–$500,000, making equipment financing the default path for most of the 29,500 laundromat locations operating across the U.S. Six…
· Denis Brandao · 12 min read
Key Takeaways A full commercial lawn care setup, mowers, trailers, trimmers, blowers, can cost $80,000 or more, making financing an operational necessity rather than a luxury for most businesses.…
· Denis Brandao · 17 min read
Key Takeaways Leasing means paying to use equipment the lender owns; financing means borrowing to own it outright from day one, and this single distinction affects your taxes, balance sheet, and cash…
· Denis Brandao · 12 min read
Key Takeaways Commercial kitchen equipment costs $40,000–$200,000 for most startups, making financing the only practical path to opening for the majority of restaurant operators. Equipment loans…
· Denis Brandao · 14 min read
Key Takeaways 82% of businesses that acquired equipment in 2023 used some form of financing, making equipment loans and leases the norm, not the exception. Alternative and fintech lenders approve…
· Denis Brandao · 13 min read
Key Takeaways Outfitting a full commercial gym costs $50,000 to $500,000 upfront; financing spreads that burden across 24 to 84 months so you open without draining capital. Business owners with a…
· Denis Brandao · 15 min read
Key Takeaways Farm equipment costs are massive; new tractors run up to $400,000 and combines can exceed $1 million, making financing a necessity for the vast majority of the 1.88 million U.S. farms.…
· Denis Brandao · 15 min read
Key Takeaways 82% of U.S. businesses use some form of financing when acquiring equipment; spreading payments over 12 to 84 months while the equipment itself serves as collateral. Credit score…
· Denis Brandao · 15 min read
Key Takeaways Equipment financing rates range from 5% to 15% APR for established businesses with good credit. Medical and healthcare borrowers qualify for the lowest rates (4%–12%), while technology…
· Denis Brandao · 17 min read
Key Takeaways Heavy equipment financing rates range from 0% (manufacturer promos) to 36% APR, your credit score, time in business, and lender type determine where you land. 82% of U.S. companies use…
