Equipment
Finance.
Asset-secured capital for operators who build with equipment. From $10,000 medical devices to $75,000,000 industrial infrastructure — structured around the asset, not just the borrower.
The asset secures
the capital.
Equipment financing is fundamentally different from working capital. The asset itself serves as collateral, which means approval is primarily driven by the equipment's value and revenue-generating capacity — not solely by credit history or cash flow metrics.
This distinction matters. An operator with a complex cash flow profile may not qualify for Bridge Liquidity but can secure substantial equipment financing because the underlying asset justifies the capital.
SCS maintains relationships with specialized equipment lenders across all major asset categories — including hospitality soft goods, medical and dental, agricultural, manufacturing, transportation, and telecom infrastructure.
Equipment Finance terms and specifications
| Capital Range | $5,000 — $500,000,000 |
|---|---|
| Close Speed | Same day — 15 business days |
| Term | 24 — 84 months |
| Structure | Monthly payments, collateral-secured |
| Collateral | Equipment being financed |
| TIB | 0 months (startup programs available) |
| Financing | Up to 100% including soft costs |
| Credit Tiers | A, B, and C credits accepted |
Equipment Finance covers
every industry.
Commercial & Industrial
Manufacturing, construction, agricultural, and industrial equipment. New and used assets. Sale-leaseback structures available.
Transportation & Fleet
Vehicles, trucks, trailers, and specialized fleet assets. Telecom infrastructure including COWs, bucket trucks, and fiber deployment equipment.
Healthcare & Medical
Medical and dental equipment, imaging, and technology. App-only approvals available up to $500,000 for qualified healthcare operators.
Hospitality & Food Service
Restaurant equipment, hotel FF&E including soft goods programs for drapes, carpet, and bedding. Retroactive financing up to 180 days with original invoices.
Technology & Software
IT infrastructure, point-of-sale systems, and technology deployments. Soft asset financing available through select programs.
Energy & Utilities
Power generation, renewable energy installations, and utility infrastructure. Long-term structured financing for capital-intensive assets.
Equipment Finance,
answered directly.
How much equipment finance can SCS place?
Equipment finance runs from $5,000 to $500,000,000.
Because the asset itself serves as collateral, the size of the facility is driven primarily by the equipment's value and revenue-generating capacity rather than by credit history or cash flow metrics alone.
How fast does equipment finance close?
Equipment finance closes same day to 15 business days.
App-only approvals are available up to $500,000 for qualified operators, which removes the full financial package from the critical path.
What terms and payment structure apply?
Terms run 24 to 84 months with monthly payments, secured by the equipment being financed.
Unlike revenue-based Bridge Liquidity, the payment is fixed and predictable, which suits assets that generate return over a multi-year life.
Can a new business qualify?
Yes. Startup programs accept 0 months time in business.
An operator with a complex cash flow profile may not qualify for Bridge Liquidity but can still secure substantial equipment financing, because the underlying asset justifies the capital.
Does equipment finance cover soft costs?
Yes. Financing is available up to 100% including soft costs.
Hospitality soft goods programs cover drapes, carpet, and bedding, and retroactive financing is available up to 180 days after purchase with original invoices.
What if the operator's credit is imperfect?
A, B, and C credit tiers are accepted.
Approval is primarily driven by the equipment's value rather than solely by credit history, so a weaker credit profile paired with a strong asset is a workable structure.