Equipment financing lets you acquire the machinery, vehicles, or technology your business needs now and pay for it over its useful life, while the equipment itself serves as the collateral.
Finance most or all of the cost
Cover the purchase price on qualifying equipment, and often delivery, installation, and training too.
The equipment is the collateral
The asset you are buying secures the financing, so approval does not depend on pledging your other business property.
Credit scores from 550
Because the equipment secures the deal, we work with a wider range of credit profiles.
A real person, not a portal
An advisor walks you through your application by phone.
Check your funding options
Takes about a minute. No obligation.
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Secure formNo obligationReviewed by a real advisor
$250M+
in funding secured
24 hrs
fastest funding time
20+ yrs
combined funding experience
Do you qualify?
Straightforward criteria. Here’s what we look for.
Time in business
6+ months
Established businesses with a track record of revenue.
Monthly revenue
$10K+
Consistent monthly revenue across your accounts.
Equipment
Quote or invoice
A quote, invoice, or listing for the equipment you want to finance.
Credit score
550+
The equipment itself does much of the qualifying.
Not sure you qualify? Most owners we talk to are closer than they think.
Funding options run from under $25K to $500K and up, depending on the equipment and your revenue.
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Built for businesses that run on real equipment.
These are the businesses we fund most.
Construction & heavy trades
Excavators, loaders, lifts, dump trucks, and specialty machinery.
Restaurants & food service
Ovens, refrigeration, fryers, and full kitchen build‑outs.
Medical, dental & veterinary
Imaging systems, chairs, lasers, and diagnostic technology.
Manufacturing & logistics
CNC machines, forklifts, conveyors, and fleet vehicles.
What is equipment financing?
Equipment financing is funding built specifically for buying business equipment. You acquire the machine, vehicle, or technology now and repay over a term matched to its useful life, so the equipment effectively pays for itself out of the revenue it generates.
What makes this structure different is the collateral: the equipment itself secures the financing. That means approvals are typically easier and faster than unsecured funding, credit requirements are more flexible, and terms can run longer because they follow the life of the asset. Financing is available for both new and used equipment, from dealers or private sellers.
Before you sign, your advisor shows you the payment, the term, and the total cost. You see the full picture up front.
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How it works
1Request in about a minute. Share the basics in the short form. No documents needed to start.
2Review with your advisor. A real person takes your application by phone in about 15 minutes. Have your equipment quote handy if you have one.
3Receive your approval. Review your offer, sign, and funding can be released to the seller in as little as 24 hours after a completed application.
4Put it to work. Take delivery, generate revenue, and repay over a fixed schedule matched to the equipment’s useful life.
Why business owners choose equipment financing from Denali.
Built by entrepreneurs, for entrepreneurs.
Keep your working capital
Finance the equipment instead of emptying your cash reserves. Your liquidity stays available for payroll, inventory, and opportunity.
The asset secures the deal
The equipment itself is the collateral, which means easier approvals and more flexible credit requirements.
Terms matched to useful life
A five-year machine gets a term sized to five years of revenue, not a short payoff that squeezes your cash flow.
New, used, dealer, or private sale
Finance equipment from a dealer, an auction, or a private seller. Your advisor structures it either way.
Dedicated support
Experienced financial advisors guide you through every step, from quote review to funding the seller.
Potential tax advantages
Financed equipment may qualify for deductions such as Section 179 expensing. Ask your tax advisor how it applies to your business.
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What our clients say.
Real feedback from business owners funded through Denali Advance.
Equipment financing FAQs.
Can I finance used equipment?
Yes. Both new and used equipment can qualify, purchased from a dealer, an auction, or a private seller. Your advisor reviews the equipment details, including age, condition, and price, during your call and confirms eligibility up front.
How much of the cost can I finance?
Qualifying purchases can often be financed in full, and soft costs like delivery, installation, and training can often be included. Some approvals include a first payment or a modest down payment. Your advisor shows you the exact structure before you sign.
What is the difference between an equipment loan and a lease?
With a loan, you own the equipment from day one and it secures the financing. With a lease, you pay to use the equipment for a set term, often with a purchase option at the end. Your advisor walks you through both structures and which fits your equipment and tax situation.
Will applying affect my credit?
Sending the short form does not run a credit check. Your advisor explains when and how credit is reviewed before anything is pulled.
What credit score do I need?
We work with credit scores from 550 for equipment financing, because the equipment itself serves as collateral. Decisions weigh the health of your business and the value of the asset more than a perfect score.
Does financed equipment qualify for tax deductions?
Financed equipment may qualify for deductions, including Section 179 expensing, which can allow you to deduct some or all of the purchase price in the year the equipment is placed in service. Tax treatment depends on your situation, so consult your tax advisor.
How fast can the seller get paid?
Funding can be released in as little as 24 hours after a completed application and approval, so you can move on dealer inventory or a private-sale opportunity before someone else does.
Still have questions?
Call and a real person walks you through it. The phone application takes about 15 minutes, and your advisor answers anything the page did not.
or email info@denaliadvance.com
Tell us about your business.
Share the basics. A funding advisor takes it from there.
- Your name, business name and best phone number
- How much funding you need and what it is for
- How long you have been in business
- Your average monthly revenue
