Financing product
Equipment Financing
Financing secured by the equipment itself — trucks, machines, trailers, tools. Because the asset backs the deal, rates run lower and approvals reach further than unsecured options.
Pre-qualifying won't affect your credit score.
Quick facts
- Amounts
- $10K – $2M
- Terms
- 12 – 72 months
- Pricing
- Est. APR from ~7% — asset-secured
- Collateral
- The equipment itself
- Review
- Within 1 business day
- Underwriting
- Bank statements first — reviewed by a person
What can you use it for?
Trucks & vehicles
Add the truck that lets you run a second crew.
Heavy equipment
Excavators, lifts, mowers, pressure rigs — new or used.
Shop machinery
The machine that turns turned-down work into booked work.
Upgrades
Replace aging equipment before downtime costs you contracts.
Why equipment through Built Together Funding?
Best for: Trucks, heavy equipment, machines, trailers, tools of the trade. One application, statements-first review, and a person who walks you through the options — not a portal that ghosts you.
- Equipment serves as collateral — often the lowest rates here
- New and used equipment both financeable
- Terms matched to the working life of the asset
- Preserves cash and credit lines for operations
- Potential tax advantages (ask your accountant about Section 179)
- Fixed payments you can price into every job
Equipment questions
New or used equipment?
Both. Used equipment from dealers and private sellers is financeable with most partners — age and condition affect the term offered.
Do I need a down payment?
Many deals fund at or near 100% of the equipment cost; stronger files may need nothing down. Some partners ask for first-and-last payment up front.
Lease or finance?
Financing builds equity in the asset; leases can lower payments and simplify upgrades. We'll compare both on your review call if it's relevant.
See if equipment fits your file.
About 4–5 minutes. A straight answer within one business day. Pre-qualification is not funding approval. Final options are subject to review, underwriting, and partner availability.
Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.