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510-786-8739 Schedule Zoom | CA DRE #01480904 · NMLS #300923
Home/Commercial/Equipment Loans
Machinery · Vehicles · Technology · All Industries

Equipment Loans —
Finance the Tools That Grow Your Business.

Don't let equipment costs hold your business back. We finance machinery, vehicles, technology, and virtually any business equipment up to $5M with competitive fixed rates and terms up to 10 years.

Apply Now → Call 510-786-8739
Program Overview

Equipment Loan at a Glance

$5M
Max Loan Amount
Most equipment types
7-10
Year Terms
Fixed rate available
10%
Min Down Payment
SBA programs
Fast
Approval
Some same-day decisions
New & Used
Equipment
Both eligible
All
Industries
No sector exclusions
Equipment Types

What We Finance

Construction Equipment
Restaurant Equipment
Medical Equipment
Trucking & Vehicles
Manufacturing Machinery
IT & Technology
Agriculture Equipment
HVAC Systems
Printing Equipment
Fitness Equipment
Clean Energy Systems
Specialty Vehicles
Financing Options

Equipment Loan Programs

Equipment Loan
Equipment serves as collateral. Fixed rates, 5-7 year terms. Quick approval — often same week. Good for new businesses with limited credit history.
SBA 7(a) Equipment
Up to $5M for equipment. 7-10 year terms. 10% down. Best for larger equipment purchases where longer terms reduce monthly payments significantly.
SBA 504 Equipment
Fixed rate for major equipment. 10 year terms. Ideal for equipment with long useful life — manufacturing machinery, printing presses, medical equipment.
Equipment Lease
100% financing with no down payment. Tax advantages through operating lease treatment. Best for technology that becomes outdated quickly.
Common Questions

Equipment Loan FAQs

Can a new business qualify for equipment financing?
Yes — equipment loans are often easier to obtain than other business loans because the equipment itself serves as collateral. Some lenders work with businesses as young as 6 months old.
Is used equipment eligible for financing?
Yes — both new and used equipment qualify. The age and condition of used equipment affects the loan term and LTV. We work with lenders who specialize in used equipment financing.
What documents do I need for equipment financing?
Typically: 2 years business tax returns, recent business bank statements, equipment quote or invoice, and basic business information. SBA loans require more documentation including a business plan.
How fast can equipment financing close?
Simple equipment loans can approve and fund in 2-5 business days. SBA equipment loans take 30-60 days. We match your timeline to the right product.
Can I finance equipment and real estate together?
Yes — SBA 7(a) allows combined financing of real estate, equipment, working capital, and business acquisition in a single loan. SBA 504 splits it into two loans — one for real estate and one for equipment.
What is the interest rate on equipment loans?
Rates vary based on credit, business financials, and loan type. SBA rates are currently Prime + 2.75% for most programs. Conventional equipment loans range from 6-12% depending on qualifications.

Finance Your Equipment Today

Tell us what you need to buy and we'll find the best financing structure. Most equipment loans can be pre-approved within 48 hours.

Apply Now → Call 510-786-8739
CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · Equipment Financing Available Nationwide
MIA — Mortgage Intelligence Assistant
Online · SI MTG Team
Hi! I'm MIA, your SI MTG mortgage assistant. I can help you find the right loan program, explain rates, or get you started. What can I help you with today?
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SI MTG · CA DRE #01480904 · NMLS #300923 · Not financial advice
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