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Business Growth · Equipment Financing

Equipment Financing: A Loan Secured by the Asset Itself

Equipment financing is a loan tied to the equipment you are buying. Because the asset itself acts as collateral, terms are typically better than an unsecured business loan of the same size, and you own the equipment from day one.

Finance Equipment
Business owner in a light blue shirt inspecting a large red agricultural planter machine outside a dealer showroom
Product Overview

Own the Asset From Day One, Pay It Off Over the Useful Life

Equipment financing is a purpose-built loan structured around a specific asset: a piece of machinery, a delivery vehicle, a dental chair, a commercial oven, a server rack. Because the equipment itself secures the loan, lenders can often extend better terms than they would for an unsecured business loan for the same purchase. Ownership sits with you from close, and repayment usually lines up with the useful life of the equipment. A Lendora advisor confirms eligibility for new or used equipment before you commit time to the full application.

Use Cases

Three Common Equipment Categories Lendora Funds

The mix is broad. If it is business-use equipment, it is worth asking.

Machinery and Manufacturing

Production lines, industrial machinery, warehouse and material-handling equipment, packaging and processing assets.

Vehicles and Fleet

Delivery vans, service trucks, work vehicles, small fleets, and specialty vocational vehicles.

Technology and Specialty

Servers, POS and restaurant systems, medical and dental equipment, salon and studio fit-outs, veterinary and lab equipment.

How It Works

The Four-Step Process for Equipment Financing

  • 01 Apply online with the equipment quote or invoice.
  • 02 A Lendora advisor matches your file to equipment lenders and confirms new or used eligibility.
  • 03 Review the offers, weigh rate, term length, down payment, and end-of-term structure.
  • 04 Sign, close, and the funds go to the equipment vendor while you take ownership of the asset.

Common Questions Before You Finance Equipment

Equipment Financing Questions
Manufacturing machinery, technology, vehicles, medical or dental equipment, restaurant kitchens, warehouse equipment, and other business-purpose assets are common candidates.
Yes. Equipment financing is a loan secured by the equipment itself. You own the asset from day one; the lender holds a security interest until the loan is repaid.
Often yes, depending on the age and condition. Your advisor confirms once you share the purchase details.
Financing typically covers a significant portion of the equipment cost. The exact percentage depends on the lender, equipment type, and borrower profile.
Financing means you own the equipment; leasing means the lender or lessor owns it and you pay for use. Your advisor walks through the trade-off if you want to weigh both.

Finance the Equipment Your Business Needs Now, Own It From Day One

Apply for equipment financing or talk to a Lendora advisor about the specific asset.

Apply for Funding Talk to a Funding Advisor