Equipment Financing

Equipment Financing Highlights

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Financing Amounts

$20,000 - $350,000

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Repayment Terms

24 - 72 months

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Funding Timeline

14 - 30 days

Common Uses for Equipment Financing

Whether you’re launching a startup or scaling operations, equipment financing empowers business owners to get essential tools without draining cash reserves. It applies across nearly every industry and helps bridge the gap between what you need and what you can afford upfront.

Heavy Machinery - Bulldozers, backhoes, forklifts, CNC machines, and manufacturing lines for construction or industrial use
Commercial Vehicles - Box trucks, cargo vans, refrigerated trucks, tow trucks, and fleet vehicles for logistics or field services
Medical Equipment - X-ray machines, patient monitoring systems, dental chairs, lab equipment, and mobility aids
Office & IT Infrastructure - Computers, servers, routers, VoIP phone systems, video conferencing equipment, and backup power
Fitness & Wellness Gear - Gym machines, massage chairs, tanning beds, rehab tools, or salon workstations
Food Service Equipment - Commercial ovens, refrigerators, prep tables, espresso machines, and deep fryers

How Can Equipment Financing Help My Business?

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Replace Outdated Equipment

Stay competitive by upgrading older or inefficient tools.

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Boost Productivity

Scale faster with the tools you need to meet demand.

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Preserve Cash Flow

Avoid large upfront payments and pay over time.

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Keep Control

Own your equipment instead of leasing it indefinitely.

Pros & Cons of Equipment Financing

Pros

✔ Affordable monthly payments
✔ Conserve cash for other priorities
✔ Own the equipment at the end of the term
✔ Fast approval and funding turnaround

Cons

✘ May require a down payment
✘ Equipment may depreciate over term
✘ Higher rates for older equipment
✘ Missed payments could result in repossession

Final thoughts about Equipment Financing

If you're looking to scale your business operations, equipment financing provides a smart and flexible way to acquire the tools you need without compromising your capital. With AmeriFirst Finance, we simplify the process and help you secure the funding fast - so you can focus on growing your business with confidence.

Equipment Financing - FAQs

You can finance nearly any type of business equipment, including heavy machinery, commercial vehicles, medical devices, point-of-sale systems, office technology, and more. If it’s essential to running your business, there’s a good chance it qualifies for financing.

Some lenders may require a small down payment, especially for high-value or specialized equipment. However, many financing programs offer little to no money down, depending on your credit profile and the type of equipment being purchased.

Most equipment financing approvals happen within 24–72 hours, and funding typically occurs within 7–14 business days. At AmeriFirst Finance, we streamline the process to help you access your equipment—and start using it—as quickly as possible.

Yes. In most equipment financing agreements, you own the equipment outright after the final payment. Unlike leasing, this means you’re building equity in the asset as you pay it off over time.

Like any business financing, lenders may check your credit as part of the approval process. Making on-time payments can improve your business credit profile over time, helping you qualify for larger amounts or better terms in the future.

Why businesses choose AmeriFirst Financing

Real business owners on speed, service, and outcomes with AmeriFirst - straight from our customers.

“As a seasonal business, cash flow dips can be brutal. AmeriFirst helped us secure a merchant cash advance that covered marketing costs during our slow period. We hit record bookings this summer and paid it back early. Great service and flexible terms.”