Best Equipment Financing for the EquipmentVehiclesSoftwareequipment, vehicles, and software your business runs on.

Equipment financing is a loan or lease that lets you acquire equipment, vehicles, or software with payments spread over time. For small businesses, it preserves working capital, avoids large upfront costs, and can unlock tax advantages such as Section 179. You get the equipment working now, without draining cash reserves.

Not for most transactions. One simple application covers financing up to $250,000 with no financial statements or tax returns needed.

No. Checking your eligibility involves no personal-credit inquiry. It takes about 2 minutes and gives you an instant answer. If you move forward with a full application, we use a soft credit pull, which never places an inquiry on your credit report. Never a hard pull. Check Your Eligibility Instantly.

Yes. Crest Capital finances both new and used equipment, including pre-owned and refurbished assets. Eligibility varies by equipment type.

Most applications receive a decision the same business day, often within hours. Larger requests can take a little longer.

With a lease you pay to use equipment the lender owns; with equipment financing, such as an equipment finance agreement (EFA), you own the equipment from day one. Your payments are fixed for the full term, and the purchase typically qualifies for Section 179 tax treatment. Nearly all Crest Capital customers choose financing: you own the equipment, and we finance it.

Nearly any business asset: equipment, commercial vehicles, and software. Crest Capital finances new, used, pre-owned, and refurbished assets across nearly every industry, from heavy construction equipment to specialized software; eligibility depends on the asset and the transaction.

Yes. Crest Capital is a national equipment-finance lender, not a bank. Eligible businesses finance equipment, vehicles, and software with one simple application, while their bank credit lines stay free for other needs.

Yes. Financed equipment may qualify for the Section 179 deduction, provided it meets Section 179 requirements and is placed in service during the tax year. Use the Section 179 calculator to estimate savings.

Four steps for you. Apply online with one simple application. Receive a credit decision, typically the same business day and often within hours. Sign your documents electronically. Crest Capital pays the seller directly, and you put the equipment to work right away. See the full process, start to finish, on Our Process.

A credit score of 650 is the minimum most equipment financing lenders typically require. Because this is business financing, your score is one factor among several: we also consider time in business (typically 2 or more years under current ownership), borrowing history, and the type and value of the equipment. Checking your eligibility involves no personal-credit inquiry, so you can see where you stand before you apply. See Do You Qualify for a plain look at what Crest Capital considers.

Most qualified applicants receive 100% financing with no down payment. Soft costs such as shipping, installation, and training can be included, up to 25% of the loan amount, which helps preserve your working capital.

Yes, early payoff is allowed, and Crest Capital typically has minimal or no prepayment penalties. One candid note: because the financing cost is fixed at signing, there is no advantage in paying off early.

With equipment financing, you own the asset outright once the final payment is made. With a lease, the end of the term typically brings a buyout or renewal option instead of automatic ownership.

Crest Capital combines same-day credit decisions, 100% financing, and more than 30 years of specialized equipment finance experience, with fewer restrictions than a typical bank: no blanket liens, no compensating balances, and no financial statement covenants. Investopedia rated Crest Capital the #1 Best Overall Equipment Financing Company in 2024.