Equipment Financing
Equipment Financing — Acquire the Tools That Grow Your Business
From machinery to technology upgrades, equipment financing helps you acquire essential assets while preserving cash. The equipment itself typically secures the loan, and repayment terms are tailored to your cash flow.
A great fit for
- Construction and heavy machinery
- Commercial vehicles
- Medical and dental equipment
- Restaurant and retail build-outs
Preserve Cash While You Upgrade
Whether it's heavy machinery, commercial vehicles, medical devices, or a full restaurant build-out, equipment financing lets you acquire the assets your business depends on while spreading the cost over the equipment's useful life. The equipment itself typically secures the loan, which keeps rates competitive and approval requirements practical.
Instead of depleting your primary cash reserves on a single purchase, you keep working capital available for payroll, inventory, and growth — while the new equipment starts generating revenue immediately.
New or Used, With Potential Tax Advantages
Encore finances both new and used equipment, and many purchases qualify for Section 179 accelerated depreciation — allowing you to deduct a substantial portion of the equipment cost in the year you place it in service. Ask your tax advisor how much you could save.
Approvals arrive in as soon as 2 hours. Apply online in five minutes or call (888) 550-9339 and tell us what you need to buy — we'll structure terms around your cash flow.
Not sure this is the right program? Our team will match your scenario against every in-house program and our lender network — one application, all options.