Equify Financial offers equipment loan and lease options for purchase or refinance, debt consolidation, and line of credit products backed by your assets. Although we specialize in the construction, energy, and transportation industries, we fund any essential equipment you need for your business, new or used.

Examples of equipment we’ve helped our customers purchase include:

• Concrete equipment
• Power generation
• Earthmoving equipment
• Compaction equipment
• Material handling equipment
• Aerial equipment
• Light towers
• Wireline trucks
• Trucks
• Trailers
• Crane trucks
• Cranes
• Frac pumps
• Electric frac pumps
• Nitrogen pumps
• Cement pumps
• Well service equipment
• Well service rigs
• Well service trucks
• Pipe handlers
• Power swivels
• Snubbing units
• Crew trailers
• Well service components
• Pipe trailers
• Shipping containers
• New or used trucks, all classes
• Trailers
• Flatbeds
• Vocational vehicles
• Over-the-Road vehicles
• Heavy hauling equipment
• Medium-duty trucks
• Concrete trucks
• Car haulers
• And more

Equify is an independent lender and offers equipment financing for any industry. Contact us to learn more about our financing solutions, and tell us what you’d like to buy.

Used equipment can be a great investment that retains its value without the high cost of new equipment. We regularly help our customers purchase used equipment, with lower payments and generally shorter loan terms than new equipment purchases.

Depending on the amount of the loan, you could get approval and funding through Equify in 24 hours or less. More complicated funding packages could take seven days. You can influence the speed at which your application is approved and funded by providing your business financial forms and equipment invoice up front. We’ll reach out to you with any questions or requests for additional information.

There are no application fees to apply for an equipment loan or lease with Equify Financial.

Existing Equify customers can call their regional representative to get an application started. New and existing customers can always apply online with the following documents nearby:

• Two of your most recent year-end financial statements or tax returns
• An interim financial statement or bank statement if more than six months from your year-end
• For LLCs, a copy of the operating agreement
• An invoice or a detailed equipment description of the equipment you’re purchasing or leasing

Equify considers the same factors used by other lenders, but we consider those factors within the context of our conversations with business owners. We have the flexibility to approve and offer the best financing options for businesses that banks might not approve.

Credit worthiness factors we consider may include:

• Business (Paynet) credit score
• Length of time in business
• Bank and lender references
• Third-party credit ratings

Your financing terms will be unique to your situation. We customize the length of your lease or equipment loan and will work with you to adjust repayment if needed at any time.

Equify provides interest rates that are competitive with other independent lenders. Factors influencing rates include transaction amount, equipment value, financing terms, and borrower credit. Get started today to secure the best interest rate for your needs. Fill out the form on this page if you have any questions before you apply.

Find My Local Rep

Apply for an Equipment Loan

As an independent financing company, Equify has the flexibility to fund a one-time purchase (application only up to $500,000), create a plan that gives you access to a larger sum of working capital up to $30 million, or address both immediate equipment purchases and long-term financial needs at once.

Any equipment loan that is approved and funded will have an established monthly payment due date. A pro-rated payment charge is an initial loan payment that is calculated based on the average daily breakdown of your monthly payment, multiplied by the number of days between the date you sign the loan agreement and the date of your first scheduled payment.

Contact our customer service department as soon as possible.

Equify Financial requires proof of insurance coverage for all financed equipment for the duration of the loan agreement. You can choose to provide proof of insurance from your provider, or we’ll find third-party coverage for you to protect financed assets.

Once you’ve paid off your loan, our goal is to send your equipment title within 30 days, barring any delays out of our control. We’ll make sure to keep you updated as soon as we confirm your payoff and start preparing your title documents for transfer.

Pre-payment terms can be arranged through your dedicated Equify representative. Contact us and we will walk you through the early payoff process.

You can apply directly with Equify Financial at any point. We offer equipment loan and lease pre-qualification for new and used equipment purchased from a dealer, vendor, auction house, or private sale. Start your application now, and we’ll contact you if we need additional information.

Equify offers several options for businesses in need of operating or reinvestment capital. Learn more about our structured finance options. We’ll tailor your financing package and terms based on your immediate and projected needs.

Equify Financial is an independent finance company, so we have the flexibility to approve funding on a case-by-case basis instead of a strict set of credit guidelines used by banks and dealership captive lenders. We’ll get to know your business and story so that we can consider more than just your business credit rating. Get in touch now to learn more about our financing options.