Equipment financing that puts your cash to work
The machine that pays for itself shouldn't come out of your operating cash. David helps you explore financing options for equipment, vehicles, or technology - keeping your working capital where it belongs: growing your business.
Own the equipment. Keep your cash.
Equipment financing lets you buy or lease the machinery, vehicles, technology, or tools your business needs to operate and grow - without draining the operating cash that keeps the lights on. The equipment itself typically serves as collateral, which can mean easier approval than many unsecured loan products, with terms designed around the useful life of the asset.
Think about the math: a delivery truck that generates meaningful new revenue each month is a poor candidate for paying cash upfront. Financing it while it earns is leverage working in your favor - the equipment helps fund its own acquisition.
Contractors buying a skid steer. Trucking companies adding to their fleet. Restaurants replacing a walk-in cooler. Medical practices upgrading diagnostic equipment. Manufacturers installing a new production line. If your business runs on equipment, David can help you explore financing options.
Flexible
Amounts vary
Sized to the equipment, vehicle, or technology you need.
Collateral
Equipment-backed
The equipment itself often secures the financing, which can ease approval.
Set terms
Matched to the asset
Repayment terms aligned to the equipment's useful life and your revenue cycle.
Direct pay
Vendor-paid financing
In many cases the vendor is paid directly, so you can start using your equipment.
How equipment financing works with Team Red Funding
From "I need this equipment" to "I'm using this equipment" - here's the complete path.
Tell us what you need
Share the type of equipment, approximate cost, and whether it's new or used. Then complete our short application - no stacks of documents required upfront.
Get matched
David reviews your profile personally and matches you with equipment financing options from our network of funding partners - including your payment and term.
Review and sign
Your offer shows exactly what you're paying and when. No surprise fees, no hidden balloon payments. Sign electronically when you're ready.
Fund your purchase
In many cases the vendor or dealer is paid directly, so your operating cash stays in your account. You take delivery of your equipment and put it to work.
Equipment financing: Team Red Funding vs. a bank
A side-by-side look at what you get when you explore options with David instead of the bank alone.
Availability, amounts, rates, and terms vary by funding partner and are subject to underwriting. Your actual offer depends on the equipment, your business's revenue, and the specific funding product. No obligation to accept.
What types of equipment can you finance?
If it's used in your business to generate revenue, we can likely finance it. Here are the most common categories.
Construction & Heavy Machinery
Excavators, skid steers, backhoes, lifts, compactors - the machines that make you money on every job site, financed so your cash can do the same work elsewhere.
Commercial Vehicles & Trucks
Delivery vans, semi-trucks, refrigerated vehicles, work trucks, trailers - add capacity to your fleet without tying up six figures in capital.
Restaurant & Kitchen Equipment
Commercial ovens, refrigeration units, dishwashers, espresso machines, POS systems - replace aging equipment or fit out a new kitchen without emptying your reserves.
Medical & Dental Devices
X-ray machines, dental chairs, lasers, imaging systems, ultrasound equipment - upgrade your practice without the capital outlay that disrupts your cash flow.
Technology & Computers
Servers, point-of-sale systems, production workstations, fleet tracking hardware - stay current without absorbing large tech costs out of operating cash.
Manufacturing Equipment
CNC machines, laser cutters, injection molding equipment, conveyors, packaging lines - the assets that multiply your output without multiplying your risk.
Who qualifies for equipment financing?
Equipment financing typically has more flexible approval criteria than unsecured loans because the equipment itself secures the deal. Here's what we look for:
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6+ months in business
A minimum of six months of operating history demonstrates your business model works.
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Consistent monthly revenue
Your revenue helps determine what equipment amount you can comfortably service. Stronger, more consistent revenue generally supports larger amounts.
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Equipment must be for business use
The financed equipment must be used in your business operations - not for personal use.
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Active business bank account
We verify cash flow and make payments through your business checking account.
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US-based business
We fund businesses registered and operating in all 50 states.
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Flexible on credit
Because the equipment serves as collateral, credit requirements are often more flexible than for unsecured loans. Revenue and the equipment's value carry heavy weight.
Get a quote in a few minutes
Tell us what you need to finance and David will match you with equipment financing options from our funding partner network - free, and with no obligation.
Get my equipment financing quoteTakes just a few minutes · No cost, no obligation
Why smart operators finance instead of buy outright
Preserve cash for what only cash can do
Cash can't be in two places at once. When you finance the equipment, you keep your operating cash available for payroll, inventory, marketing, or emergencies - the things equipment financing can't cover.
Let the equipment pay for itself
Revenue-generating equipment can help fund its own acquisition. When the asset earns more each month than the payment costs, the math works in your favor.
Simple, and often asset-secured
Because the equipment often backs the deal, approvals can be easier than unsecured loans. Team Red Funding's network of funding partners moves as quickly as your situation and their underwriting allow.
Compare the other funding options
Not sure this is the right fit? Every product below is arranged by the same team.
Equipment Financing FAQs
What types of equipment can I finance?
You can finance virtually any equipment used for business purposes - construction machinery, commercial vehicles, restaurant and kitchen equipment, medical and dental devices, computers and technology, manufacturing equipment, salon equipment, and more. If it's used in your business to generate revenue, it's likely eligible. Your funding specialist will confirm eligibility for your specific equipment.
Do I need a down payment?
Down payment requirements vary by funding partner, equipment type, age, and your business profile - especially when the equipment itself serves as collateral and has strong resale value. David will walk you through your specific offer details.
How does equipment financing differ from a regular business loan?
With equipment financing, the equipment you're purchasing often serves as collateral for the loan. This can result in easier approval and potentially better terms than an unsecured working capital loan. The financing is tied directly to the specific asset - once paid off, the equipment is yours. Regular business loans are typically unsecured (no specific collateral) and can be used for any purpose.
Can I finance used equipment?
Often, yes. Used equipment can be eligible for financing through Team Red Funding's network of funding partners. Terms may vary based on the age, condition, and type of equipment. Older or highly specialized used equipment may have different approval criteria than new equipment. David will help identify the best path for your specific acquisition.
What happens at the end of the term?
Terms vary by funding partner, but many equipment financing arrangements end with you owning the equipment outright once your regular payments are complete - no surprise fees. David will confirm the specifics of any offer before you sign.
Get the equipment that grows your revenue - without touching your cash.
Explore equipment financing options - free, with no obligation.
No obligation · No cost to apply