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24-hour response for urgent deals
Power Your Business with the Right Tools
Equipment financing allows you to purchase the machinery, vehicles, or technology your business needs without draining your working capital. The equipment itself serves as collateral, often resulting in lower interest rates and easier approval.
Why Choose Our Equipment Financing?
Designed to solve real business challenges with speed and flexibility.
Preserve Cash Flow
Get the equipment you need now while paying for it over time.
Tax Advantages
Take advantage of Section 179 tax deductions for equipment purchases.
100% Financing
Often covers soft costs like installation, shipping, and training.
Flexible Terms
Repayment structures tailored to the useful life of the equipment.
Key Features
- Funding up to $5 Million
- Terms up to 84 months
- New or used equipment
- Fast approval process
- Little to no down payment
Eligibility Requirements
- 6+ months in business
- 600+ FICO score
- Invoice or purchase order for equipment
- Business bank statements
How It Works
Simple, transparent, and fast.
Choose Equipment
Identify the equipment and get an invoice from the vendor.
Apply
Submit our simple application along with the equipment invoice.
Approval
Receive terms and sign financing documents.
Funding
We pay the vendor directly, and you get your equipment.
Common Use Cases
Construction
Acquiring a new excavator or bulldozer for a large project.
Transportation
Expanding a trucking fleet with new semi-trucks or trailers.
Medical
Upgrading to the latest diagnostic imaging technology.
"We needed a new CNC machine to keep up with orders. Cinch got us financed in 48 hours with a great rate, and we didn't have to touch our cash reserves."
David Kowalski
Operations Manager, Precision Machining
Frequently Asked Questions
Ready to Fund Your Growth?
Join thousands of business owners who trust Cinch Lending for their capital needs.
Apply for Fast Business Funding
Complete the form to get started with your commercial loan application. A Cinch Lending funding specialist will contact you within 1 hour to discuss your business financing options.
Fast Response
We typically respond within 1 hour during business hours.
Secure Process
Your data is encrypted and protected.
No Obligation
Requesting information is free and non-binding.