Business Funding

Equipment Financing

Purchase or lease the heavy machinery, vehicles, or technology your business needs to operate. The equipment itself serves as collateral, making approval easier.

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At a Glance

Funding Amount $10,000 - $2,000,000

Term 1 to 7 Years (based on equipment life)

Overview

The Angel Funding Advantage

Growth requires tools, and tools require capital.

Because the equipment itself serves as the collateral, lenders take on significantly less risk. And with structures ranging from simple equipment loans to Fair Market Value leases, $1 buyout leases, TRAC leases for fleets, and sale-leasebacks on equipment you already own, we tailor the solution to your tax, accounting, and cash-flow strategy — whether you're financing a single $20,000 delivery van or a multi-million dollar production line.

Loans & flexible lease structures
Tax benefits (Section 179)

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Find the Equipment

You identify the specific new or used equipment you wish to purchase and obtain an invoice from the dealer.

Approval

Submit the invoice along with basic business details. For amounts under $250k, we often approve "app-only" with no tax returns.

Sign & Fund

Sign the financing agreement. We wire the funds directly to the equipment dealer.

Delivery & Repayment

The dealer delivers the equipment. You make fixed monthly payments while generating revenue from your new asset.

Who Qualifies?

Purchasing equipment that generates revenue or improves efficiency
Buying from a reputable dealer or vendor (private party sales are harder but possible)

Why Choose This Option

Tax Advantages: Under IRS Section 179, you can often deduct the entire purchase price of the equipment in the first year, even if it is fully financed — and lease structures offer their own tax treatments.
Flexible Structures: Loans, FMV leases, $1 buyouts, TRAC leases, sale-leasebacks, and equipment-based revolving lines of credit — matched to your accounting and CAPEX plans.
Soft Costs Included: Shipping, installation, and taxes can often roll directly into the financing.

Common Scenarios

How businesses use Equipment Financing

Construction & Yellow Iron

Purchasing excavators, bulldozers, or cranes to take on larger municipal infrastructure contracts.

Transportation & Logistics

Financing a fleet of Class 8 sleeper trucks and refrigerated trailers — TRAC leases keep fleet costs flexible.

Medical & Dental

A dental practice acquiring state-of-the-art X-ray imaging machines and surgical chairs.

Sale-Leaseback

Unlocking cash tied up in equipment you already own — we buy it and lease it back to you, freeing capital while you keep using it.

FAQ

Frequently Asked Questions

Get the facts on Equipment Financing.

What kinds of equipment can I finance?

Almost anything essential to your business operations. This includes construction machinery (yellow iron), commercial trucks, medical devices, restaurant ovens, software systems, and industrial robotics.

Can I finance used equipment?

Yes, both new and used equipment can be financed. However, the age and condition of used equipment may dictate slightly shorter repayment terms.

Do I have to put money down?

Not always.

Is this a loan or a lease?

We offer both. Lease options include Fair Market Value (FMV) leases, $1 buyout leases, Early Buyout Option (EBO) leases, and TRAC leases for titled vehicles — each with different tax and accounting treatments. We'll help you match the structure to your strategy.

What is a sale-leaseback?

It's a popular way to unlock working capital from assets you already have.

What is the Section 179 Tax Deduction?

IRS Section 179 allows businesses to deduct the full purchase price of qualifying equipment during the tax year it was bought, rather than depreciating it over years. (Always consult your CPA).

What happens if the equipment breaks down?

You are still responsible for the loan payments. This is why you should always maintain proper insurance and warranties on financed equipment.