🔧 Equipment Financing

Equipment Financing
Built for Small Business

The right equipment drives revenue — but buying it outright drains your cash. Caply finances the tools, vehicles, and machinery your business needs to grow, with payments that match your cash flow.

Get Funded Now — No Credit Impact
$10k–$2M Available Funded in 24–48 Hours No Credit Impact 50+ Lenders

Why Business Owners Choose Caply for Equipment Financing

Get the equipment you need without draining your cash.

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Trucks & vehicles

Finance commercial trucks, vans, and trailers.

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Heavy machinery

Excavators, lifts, forklifts, and specialty tools.

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Restaurant equipment

Ovens, refrigerators, fryers — any kitchen gear.

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Dental & medical

Chairs, imaging, CAD/CAM, and diagnostic equipment.

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New or used

Finance equipment up to 10 years old from any seller.

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0% down options

Preserve cash with $0 down on many programs.

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

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Equipment Financing

$25k–$2M | 2–5 days

Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.

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Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll and materials while you wait on receivables.

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Business Line of Credit

$10k–$250k | Revolving

Draw funds when a job starts. Pay back when the client pays you.

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Invoice Factoring

Up to 90% of invoice | Same day

Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"My commercial oven died on a Friday. I called Caply that morning and had financing approved for a replacement by end of day. The new one was installed by Tuesday."

— Lisa M., Bakery Owner, Chicago
★★★★★

"I needed two new excavators to take on a bigger commercial contract. Caply got me financed in under a week — 0% down, and the monthly payment was less than I expected."

— Tony B., Excavation Contractor, Phoenix

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
Invoice-to-payment gaps kill cash flow
✅ Bridge financing available same day
Banks don't understand project-based revenue
✅ Lenders built for your business model
Equipment loans take weeks
✅ Funded in 2–5 days
Miss jobs waiting for capital
✅ Say yes to every opportunity

Don't Let Cash Flow Stop Your Next Big Job.

One application. No credit impact. Funded in as little as 24 hours.

Apply Now — Takes 5 Minutes Talk to a Funding Advisor

Frequently Asked Questions

Everything you need to know before you apply.

What types of equipment can I finance?
Almost any business-use equipment — trucks, trailers, restaurant equipment, dental chairs, construction machinery, medical devices, and more. New or used.
How fast does equipment financing fund?
Standard equipment financing closes in 2–5 business days. Smaller loans under $150K can sometimes fund in 24–48 hours.
Do I need a down payment?
Many lenders offer 0% down, especially for established businesses. Some programs for newer businesses may require 10–20% down.
Does applying affect my credit score?
No. Caply's initial application uses a soft credit pull — no impact to your score until you accept a final offer.
Can I finance used equipment?
Yes. Most lenders in our network finance both new and used equipment up to 10 years old.
What if my business is under 2 years old?
We have lenders who work with businesses as young as 6 months. We'll match you with the best option based on your profile.

Still have questions? Start your free application — no credit impact, decision in minutes.