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Get the equipment. Keep your cash. Finance new or used equipment with competitive rates — the equipment itself serves as collateral.
Equipment financing allows you to acquire the machinery, vehicles, technology, and tools your business needs without depleting cash reserves. The equipment itself serves as collateral, which means qualification requirements are often more accessible than unsecured financing.
We offer both equipment loans and equipment leases, each with distinct advantages. Loans build equity in the equipment over time, while leases offer lower monthly payments and the flexibility to upgrade. Your advisor will help you determine which structure best fits your business goals.
Our lender network includes specialists in virtually every equipment category — from heavy construction machinery and medical devices to IT infrastructure and restaurant equipment. Competitive rates, flexible terms, and fast approvals are standard.
Acquire the equipment you need without a large upfront payment. Spread costs over time while generating revenue from the equipment immediately.
The equipment secures the financing, so you don't need to pledge other business assets. This preserves your borrowing capacity for other needs.
Equipment financing may qualify for Section 179 deductions, allowing you to deduct the full purchase price in the year of acquisition.
Explore costs across different funding products. Adjust the sliders or pick a scenario below.
Factor rate varies by term length and business profile.
Est. Monthly Payment
$11,042
Total Repayment
$132,500
Cost of Capital
$32,500
Factor Rate
1.32x
Effective Ann. Rate
32.5%
This calculator provides estimates for illustrative purposes only. Actual rates, terms, and eligibility depend on your business profile, credit history, and lender underwriting. Apply to receive a real offer.
See why 10,000+ businesses chose Creative over traditional financing.
Don't have all of these? Apply anyway — our team will work with you to find a path forward.
“The equipment financing program helped us upgrade our entire warehouse operation. No money down, competitive rates, and the monthly payments fit perfectly within our budget. We've already referred two other businesses.”
David Rodriguez
Owner, DR Medical Supplies
Apply in 5 minutes. No credit impact. A funding advisor will be in touch within the hour.
Takes 5 minutes. No credit impact. No obligation.