EquipCash: Fast & Easy Equipment Financing in California

EquipCash

Equipment Renting, Leasing & Financing

Approvals & Funding in 24 Hrs.

EquipCash

Medical, Dental, Professional

Construction, Industrial Heavy Machinery

High Tech, Factory, Manufacturing

Application Only up to $500,000

*Funding in 24 Hours

Up to $10 Million

Lowest Rates

New & Used Equipment

Sale Leaseback

App Only to $500K

100% Financing

Start Ups

Marginal Credit

Working Capital

* with approved credits

Why is financing a good idea?

Start Making Cash Immediately
No or Little Cash Down
Make Profit Now, then pay for the equipment
Upgrade Equipment and avoid technologically falling behind
Conserve Your Working Capital
Immediate Tax Benefit

Financing Rather than Cash

Cash Flow Management: Financing allows you to preserve your cash flow, enabling you to allocate funds for other essential business needs or investments.

Leverage: By financing, you can leverage borrowed funds to acquire equipment that can generate income or improve efficiency, potentially providing a return on investment greater than the cost of financing.

Tax Benefits: Depending on your location and the type of financing, you may be able to deduct interest payments on loans, which can lower your overall tax liability.

Access to Better Equipment: Financing can enable you to acquire higher-quality or more advanced equipment that you might not be able to afford outright, improving your business capabilities.

Fixed Payments: Many financing options come with fixed monthly payments, making it easier to budget and predict expenses.

Preserving Credit Lines: By financing, you can keep your cash reserves intact and maintain flexibility for other financing needs, such as lines of credit.

Opportunity Cost: Using cash for equipment means that money is tied up and can’t be used for other investments or growth opportunities that might offer higher returns.

Ultimately, the best choice depends on your specific financial situation, business needs, and the terms of the financing available.

Banks vs EquipCash

Application Process

Traditional banks may have a rigorous application process that requires comprehensive documentation. EquipCash offers a more streamlined online application process.

Collateral

Equipment lenders often use the equipment being purchased as collateral for the loan.

Payment terms

Banks, credit unions, and online lenders may have rigid payment structures and terms. Equipment loans are term loans with amortized payment terms.

Approval time

Banks may take a significant amount of time to process an equipment loan application and fund the transaction. EquipCash offers fast approvals and same-day funding.

Down payment

Some lenders may finance up to 100%, meaning you won’t be required to make a down payment.

Specialization

Banks are generalists that offer a range of services, while equipment finance companies specialize in commercial lending for equipment.

Advantages:

Preservation of capital: Leasing or financing equipment can help businesses keep their capital for other important expenses, such as hiring, marketing, and expansion.

Improved cash flow: Leasing or financing equipment can help businesses maintain a healthy cash flow by avoiding large upfront equipment costs.

Flexibility: Leasing or financing equipment can provide businesses with flexibility in terms of equipment usage and upgrades.

Tax benefits: Leasing or financing equipment can provide businesses with tax benefits, such as depreciation deductions.

Lower interest rates: Leasing or financing equipment can provide businesses with lower interest rates compared to traditional business loans.

Equipment upgrades: Leasing or financing equipment can provide businesses with the ability to upgrade their equipment more frequently.

Improved efficiency: Leasing or financing equipment can provide businesses with access to high-quality equipment, boosting efficiency and customer satisfaction.

Corp Only Financing...

No Personal Guarantee Needed

Minimum Qualifications:

$10K to $250K application only
5 years TIB preferred
- (2 yrs for some)
Paynet Masterscore of 680+
No Outstanding liens or judgements
No titled equipment

Frequently asked questions

Everything you need to know about equipment financing

Can't find an answer? Email us at info@equipcash.com and we'll get back to you quickly.

EquipCash finances virtually any type of business equipment — new or used. This includes medical and dental equipment (MRI machines, surgical systems, diagnostic tools), construction and heavy machinery (excavators, cranes, bulldozers), manufacturing and high-tech equipment (CNC machines, robotics, automation systems), trucks and transportation fleets, restaurant and food service equipment, solar and energy systems, and much more. If your business uses it, we can likely finance it.

Many of our clients receive approval within 24 hours of submitting their application. Same-day funding is available in many cases. Approval and funding speed depends on your credit profile, time in business, equipment type, and documentation completeness. Our streamlined online application — with no paperwork or branch visits required — is designed to move as fast as possible.

Yes. Unlike traditional banks, EquipCash works with businesses that have marginal or less-than-perfect credit. We consider the full picture — your business history, equipment type, and future revenue potential — not just your credit score. While better credit typically means better rates, we have lender relationships specifically designed for borrowers that banks routinely turn away.

Yes — startups are welcome at EquipCash. Many new businesses are turned away by traditional banks because they lack years of operating history. We work with early-stage companies and have access to lenders that specifically serve startups. A strong personal credit profile and a clear business plan can help support your application.

EquipCash finances from $10,000 up to $10 million. For loans up to $500,000, we offer an application-only process — no financial statements required. For larger amounts, additional documentation may be needed. Terms typically range from 2 to 7 years depending on the equipment type and your financial profile. We offer both leasing and financing structures with fixed monthly payments.

Not necessarily. EquipCash offers 100% financing on approved applications, meaning no money down is required in many cases. Whether a down payment is needed depends on your credit profile, the equipment being financed, and the specific lender. We work to structure deals that preserve your cash flow as much as possible.

A sale leaseback allows you to sell equipment you already own to a lender and then lease it back for continued use. This frees up the capital tied up in your existing equipment — giving your business an immediate cash injection — while letting you keep using the equipment without interruption. It's an excellent option for businesses that need working capital but don't want to disrupt operations.

Corp-only financing allows established corporations to borrow without a personal guarantee from the business owner. To qualify, you generally need at least 5 years in business (some programs accept 2 years), a Paynet Masterscore of 680 or higher, no outstanding liens or judgments, and a financing amount between $10,000 and $250,000. This program is ideal for corporations that want to protect personal assets.

Yes. EquipCash provides equipment financing and leasing to businesses in all 50 states. Whether you're in California, Texas, Florida, New York, or anywhere else in the country, we can help you get the equipment your business needs.

With equipment financing (a loan), you own the equipment outright once the loan is repaid. With equipment leasing, you rent the equipment for a fixed period and may have the option to buy, return, or upgrade at the end of the term. Leasing typically offers lower monthly payments and more flexibility for equipment that becomes outdated quickly. Financing is better when you want to build equity in long-lasting assets. EquipCash offers both structures and can help you choose the best fit.

Still have questions?

Our team is ready to walk you through your options and find the right financing solution for your business.

Apply now