EQUIPMENT BASED LOANS

Leverage the value of your equipment as collateral to maximize your capital.

Tap into the power of equipment-based loans with Express Business Funding, where your existing equipment fuels your next big move. As a specialized form of asset-based loans, our equipment loans let you leverage the equity in large equipment—like heavy machinery or vehicles—to secure fast business funding. Imagine you paid off a bulldozer you purchased three years ago, and then being able to use its free equity to finance a new forklift or tech upgrade.

WHAT ARE THE EQUIPMENT-BASED LOANS?

Equipment-based loans are a sub-category on asset-based loans, focusing solely on the equity in your business equipment. As you pay down a major asset, say, a dump truck or industrial printer, you build free equity that can be used as collateral for secured business loans. This equity unlocks capital to purchase smaller equipment, upgrade technology, or streamline operations, all without draining your cash reserves. Express Business Funding’s business financing lets you maintain ownership of the new equipment outright once the loan is repaid, unlike restrictive leasing models. It’s machinery financing that works on your terms.

WHY CHOOSE EBF FOR EQUIPMENT-BASED LOANS?

At Express Business Funding, we’re not just another lender; we’re your partner in business financing. Our equipment-based loans stand out because they’re built for speed and flexibility. Here’s why businesses choose us:

Utilize Equipment Equity: Use the value in your paid-down assets to fund new purchases. ✅
Preserve Cash Flow: Keep your capital free with flexible funding and affordable payments. ✅
Competitive Equipment Loan Rates: Tailored terms that fit your budget. ✅
Tax Benefits: Deduct interest and depreciation on business equipment loans. ✅
Rapid Funding: Quick approvals deliver fast business funding when you need it. ✅

Our alternative lending solutions empower you with equipment financing that scales.

WHY ACT NOW?

Your equipment’s equity is a goldmine waiting to be tapped. With equipment-based loans, you can upgrade operations, seize market opportunities, and stay ahead—all with low interest rates. Don’t let untapped equipment equity hold you back. Express Business Funding’s fast business funding gets you moving today.

WHO'S IT FOR?

Our equipment-based loans are designed for businesses with valuable equipment and big ambitions. Whether you’re in construction, manufacturing, wholesale, or tech, we help you leverage equipment equity to fund:

Machinery Financing: Smaller tools or attachments to complement heavy equipment.
Wholesale Equipment: Warehouse forklifts, pallet jacks, or inventory management systems to boost distribution efficiency.
Technology Equipment Loans: Servers, monitors, or software upgrades.
Specialized Equipment: Production gear or medical devices.
To Pay off Debt or CRA Arrears: Businesses in distress can benefit from EBL, too.
For Working Capital: Get that extra cash flow to keep operations running.

With Express, small business financing is customized to your industry’s needs.

HOW IT WORKS

Getting started with equipment-based loans is a breeze:

Share Your Assets: Tell us about your paid-down equipment and funding goals.
Custom Loan Plan: We craft a secured business loan with top equipment loan rates.
Fast Funding: Quick approvals mean you’re funded in no time.
Own the Equipment: Pay off the loan and keep your equipment—simple.

Express Business Funding makes alternative financing fast, transparent, and tailored.

LETS MAKE IT HAPPEN

Express Business Funding is your trusted partner for equipment financing and flexible business loans. Our equipment-based loans turn your equipment into an opportunity, delivering fast and fair financing for businesses of all sizes. Contact us today to explore how our alternative lenders can fuel your next step. Let’s unlock your business’s full potential with secured business loans!

CHECK OUT OUR EDUCATION HUB!

Asset used to exemplify what can be leveraged through Equipment Leasing

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FREQUENTLY ASKED QUESTIONS

Equipment-Based Loans Accordion

You use your existing equipment as collateral for secured business loans, unlocking working capital to purchase new equipment, upgrade technology, or expand your business.

Eligible assets include bulldozers, cranes, delivery vans, industrial printers, forklifts, and other heavy or specialized equipment.

Express Business Funding specializes in rapid funding with quick approvals, helping you seize opportunities without delay.

Yes! Our equipment loans can fund servers, laptops, monitors, and software upgrades essential for modernizing your operations.

The loan amount is based on your equipment's equity value, ensuring a fair, secured business loan customized to your needs.

Yes! Business owners may deduct loan interest and equipment depreciation, creating tax advantages that enhance your bottom line.

With equipment-based loans, you own the new assets outright once the loan is repaid—unlike leasing, where you only rent the equipment.

Yes! We can structure your equipment loan to cover multiple assets, giving you the flexibility to upgrade across your operations.

Possibly, but it depends on the terms of your Merchant Cash Advance agreement. Equipment-Based Lending (EBL) relies on using your business equipment as collateral. If your MCA includes a general security agreement that covers all assets, including equipment, it may prevent us from securing an interest in those assets.

Equipment-based lending leverages tangible assets, allowing businesses to access capital without sacrificing cash flow. In contrast, MCAs pose greater repayment risk and lack asset-backing.

FINANCING OPTIONS TO KEEP YOUR BUSINESS OPERATIONAL:

We specialize in alternative financing solutions for businesses in need of capital injections that keep your business moving forward. Unlike traditional loans, our solutions are flexible and expedient – perfect for businesses needing working capital to cover taxes, payroll, inventory or any other business related expenses.

INVOICE FACTORING

Unlock cash flow trapped in unpaid invoices with our flexible factoring solutions. Accelerate your working capital without taking on additional debt. No more waiting 30,60, or 90 days to get paid. Learn about invoice factoring today.

Explore Factoring