Equipment Financing — Fund Your Business Equipment
Finance new or used business equipment with up to 100% LTV. The equipment itself is the collateral — no additional assets required. Keep your cash and get the equipment you need.
Get Pre-Approved in Minutes
$2M
Max Funding
48 hrs
Funding Speed
100%
Max LTV
550+
Min. Credit Score
What Is Equipment Financing?
Equipment financing is a type of business loan specifically designed to help you purchase or lease business equipment. The equipment itself serves as collateral for the loan, which means you may be able to finance up to 100% of the equipment's value without putting up additional assets. This preserves your cash flow while giving you access to the tools you need to grow.
How Does Equipment Financing Work?
Identify the equipment you need to purchase. Apply with VACA Funding and provide equipment details. Get approved and receive funds to purchase the equipment. Make fixed monthly payments over the loan term. Own the equipment outright at the end of the term.
Benefits of Equipment Financing
Preserve working capital by financing instead of paying cash, equipment serves as collateral (no additional assets needed), fixed monthly payments for predictable budgeting, potential tax benefits (Section 179 deduction), and finance new or used equipment.
What Equipment Can Be Financed?
Construction equipment, vehicles and trucks, restaurant equipment, medical equipment, manufacturing machinery, technology and computers, office equipment, and more. If it has value and is used for business purposes, it can likely be financed.
Equipment Financing Qualifiers
- 6+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 550+
- US-based business
- Equipment quote or invoice