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Equipment Financing

Equipment financing can help businesses acquire, replace, upgrade, or refinance essential equipment without tying up operating cash. The right structure depends on the equipment type, business purpose, useful life, cost, revenue profile, collateral, and borrower qualifications.

At Pristine Capital, we help business owners evaluate equipment financing options for machinery, vehicles, technology, medical equipment, construction equipment, manufacturing assets, and other business-purpose equipment needs. Available terms, rates, advance amounts, documentation, collateral requirements, and closing timelines vary by lender, equipment type, business profile, and borrower qualifications.

Equipment financing may be structured as a loan, lease, line, refinance, or working-capital-related solution depending on the request and available lender programs.

Common equipment financing uses may include:

• Purchasing new or used business equipment
• Replacing outdated or underperforming equipment
• Financing vehicles, machinery, technology, or specialized assets
• Preserving working capital for operations
• Refinancing existing equipment debt where available
• Supporting growth, production capacity, or operational efficiency

Industries and equipment categories may include:

• Construction and contractor equipment
• Medical, dental, and healthcare equipment
• Manufacturing and industrial machinery
• Transportation, vehicles, and trailers
• Restaurant, franchise, and hospitality equipment
• Agriculture, specialty, and business-use equipment
• Technology, office, and operational systems

Typical review factors may include:

• Equipment type, cost, age, and useful life
• Business revenue, cash flow, and time in operation
• Borrower credit profile and repayment capacity
• Collateral value and documentation needs
• Loan, lease, or refinance structure requested

Equipment financing should be matched to the useful life of the asset and the business purpose behind the purchase. Our team can help review the request and identify available options.

Start your equipment financing request today or call 800-407-5696 to discuss available options.