$5,000 - $500,000 | Quick, Easy, and 100% Secure. One Simple Application, and No Financial Statements up to $250k!

Business Users

Get the funds you need for business equipment, vehicles, and software. Apply now, and receive a decision within hours.


Offer your B2B customers more payment options through Crest. It’s easier than you think.

We’re Not a Bank, We’re Crest Capital

Established in 1989, Crest Capital is a national lender specializing in providing growing businesses with no-hassle equipment financing and leasing. Quickly, easily, and at great rates.

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10 Reasons

to choose  Crest Capital

Reason One for Choosing Crest Capital - Simplicity in Financing Process

Simplicity – Without the Credit Inquiry Hit: Crest Capital has a simple online form, and applying won’t place an inquiry on your personal credit. The Bank will stamp your credit, require several years of tax returns, and about a hundred other financial documents.

Reason Two for Choosing Crest Capital - Time Efficiency of Equipment Financing

Time: Crest Capital can give you an answer fast. The bank will make you wait weeks.

Reason Three for Choosing Crest Capital - 100% Financing Options

100% Financing: The bank usually only finances 80% of the equipment, and no soft costs. Crest Capital will finance 100%, and will also finance soft costs, like delivery, installation, etc. (Lower Upfront Costs)

Reason Four for Choosing Crest Capital - No Requirement for Cross Collateral

First Born Not Required: The bank will require cross collateral, meaning your home, your boat, and your kid’s college accounts all get tied up with your loan. Crest Capital leaves your life (and your kids) alone. No Blanket Liens, No Compensating Balances, No Loaning You Your Own Money!

Reason Five for Choosing Crest Capital - Freedom in Equipment Finance Choices

Freedom: The bank will want you to keep a healthy balance in the bank, and pokes their nose into your debt to equity ratio and other numbers. Crest Capital doesn’t – we finance the equipment, without the mumbo jumbo. (No Financial Statement Covenants)

Reason Six for Choosing Crest Capital - Easy Credit Approval for Equipment Loans

Credit Availability: If you borrow from the bank for equipment, you won’t be able to borrow later if an emergency comes up. Using Crest Capital for equipment purchases means you can still use the bank for emergencies. (Preserve Bank Lines for Working Capital)

Reason Seven for Choosing Crest Capital - Assurance of No Hidden Charges

No Hidden Charges: Banks love extra fees and nickel and diming you. Crest Capital doesn’t have time for that. Neither do you.

Reason Eight for Choosing Crest Capital - Fixed Term Equipment Finance Options

Fixed Term is Better: Your accountant will tell you – Crest Capital’s fixed term loan looks better on the balance sheet than a bank’s revolving terms. Oh, and the tax man agrees as well.

Reason Nine for Choosing Crest Capital - Stable Low Rate with No Fluctuations

No Rate Adjustment: Do you REALLY think rates are going down? No, we don’t either. Which is why Crest Capital’s fixed terms are better than the bank’s adjustable rates.

Reason Ten for Choosing Crest Capital - Ease with No Yearly Re-Qualification

No Yearly Re-Qualification: Crest Capital isn’t going to ask you to re-qualify for the loan annually. The bank will - just read the fine print.

The Buzz

About Crest Capital

Equipment Financing FAQs

What is equipment financing?

Equipment financing, often considered one of the best ways to acquire business-related equipment, is a type of business loan that offers flexible financing solutions. This allows businesses to make payments over time, mitigating the need for hefty upfront costs. Discover more about equipment financing.

What types of equipment can be financed?

The versatility of equipment financing covers a wide range of items, including technology, machinery, vehicles, and more. This means businesses can finance almost any type of equipment - from office tech and medical equipment to heavy construction machinery, thereby overcoming substantial upfront costs. Explore the equipment we finance.

How does the equipment financing process work?

The equipment financing process is designed for efficiency, making it a top choice for businesses in need of quick access to funds. Applicants fill out a simple online form, which is promptly evaluated by us at Crest Capital. Once approved, funding is often disbursed within a day, allowing businesses to purchase their required equipment swiftly - a clear advantage over traditional bank loans. Learn more about the equipment financing process.

What credit score do I need to qualify for equipment financing?

Qualification for equipment financing is determined by multiple factors, not just your credit score. At Crest Capital, we provide a simple online application and a fast decision-making process to ensure quick access to the funding you need. Check Your Eligibility Instantly.

Can any industry get equipment financing?

Absolutely, companies across a wide spectrum of most industries can be approved for equipment financing. Whether you operate in healthcare, construction, IT, or another sector, Crest Capital offers tailored financing solutions to meet your unique needs. Learn more about our financing solutions for a wide range of industries.

What are the benefits of equipment financing?

The benefits of equipment financing are many: preserving capital, increasing cash flow, fixed low rates, flexible terms, potential tax deductions, and the ability to acquire equipment without large down payments. Equipment financing empowers growing companies to stay competitive with the latest equipment without significant upfront costs. Discover more about the benefits of equipment financing.

What is the difference between equipment leasing and equipment financing?

With equipment leasing, companies pay to use equipment for a set timeframe without owning it. Conversely, equipment financing is a loan that enables companies to purchase and own equipment while repaying the loan over time. Understanding the difference between leasing and financing can help your business make informed decisions. Explore more about the differences between equipment leasing and financing.

Can used equipment be financed?

Yes, financing options are available for both brand new and pre-owned equipment. The goal is to provide access to essential equipment, whether it's from a dealer or a private-party sale, helping businesses save money and maximize resources. Learn more about how you can finance used equipment.

What are the tax benefits of equipment financing?

Equipment financing may provide substantial tax benefits under Section 179 of the IRS tax code, allowing businesses to deduct the full purchase price of qualifying equipment financed during the tax year. Understanding these tax benefits can lead to substantial savings for your business. Explore more about the tax benefits of equipment financing.

Can I pay off my equipment financing loan early?

Yes, early payoff of your equipment financing loan is allowed, although specifics and if there's any benefit will depend on the terms of your agreement. Understanding these terms can help manage your finances effectively. Learn more about our early payoff options.

What types of payment plans are available for equipment financing?

Payment plans for equipment financing are tailored to meet specific business needs, including monthly, quarterly, and seasonal payments. These flexible plans enable companies to match payments to their cash flow cycles. Learn more about how Crest Capital offers payment plans tailored to your business's unique needs.

Why should I choose Crest Capital for equipment financing?

With over 30 years of experience, Crest Capital's streamlined process, quick approvals, and customizable financing options make us a top choice for businesses nationwide. Discover why Crest Capital is consistently ranked among the best equipment financing companies.

What happens at the end of an equipment financing term?

At the end of an equipment financing term, you typically own the equipment outright, though specifics may vary based on the type of financing agreement you have. Understanding your end-of-term options can help you plan for the future. Learn more about end of term options at Crest Capital.

How fast can I get approved for equipment financing with Crest Capital?

Thanks to our efficient online application and processing, you can expect a decision on your equipment financing application within a few hours. This swift approval process is one of the many reasons why businesses choose Crest Capital for their equipment financing needs. Find out more about our fast and easy equipment loan approvals.

Where can I find more information on equipment financing?

Crest Capital provides a wealth of resources and insights on equipment financing on our blog. We cover everything from tips on choosing the right equipment to understanding the benefits of leasing versus buying. Explore our LeaseGuy blog for a deep dive into the world of equipment financing.

Real Payments. Real Time. Real Simple TM

At Crest Capital, our strength is providing small and medium-sized businesses with the equipment, vehicle, and software financing you need at better rates, while also eliminating the hassle often encountered with typical bank loans. Our customers benefit by only completing a simple application without the need for tax returns and financial statements, and getting a decision immediately rather than waiting weeks.

Crest offers a broad array of equipment, vehicle, furniture, and software lease and loan agreements at fixed rates that won't go up with inflation. Crest also provides a simple process to get started - use our fast and free “check your eligibility instantly” at the top of this page. No telemarketing, no hassles, and no pressure. We've flourished for more than 30 years because we simply deliver the equipment financing and equipment leasing that businesses like yours need.

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