Equipment capital, structured around the asset.
Equipment finance is a loan or lease secured by the equipment itself. SCS places it for established businesses buying machinery, medical and imaging equipment, kitchens, fleet vehicles and technology, with terms of 24 to 84 months.
From a $10,000 device to a full production line or facility. Because the equipment secures the capital, approval leans on the asset and what it earns, not just your credit.
Recently funded next day
Real files. Results vary based on customer response time and underwriting time.
- Close speed
- Same day to 15 business days
- Funding
- Up to 100%, including soft costs
Does equipment have to be in service by December 31?
Many businesses time equipment purchases for year-end tax benefits. Here's how equipment capital fits in.
The deduction
Section 179 and bonus depreciation can let many businesses deduct qualifying equipment in the year it's placed in service.
Use it now, pay over time
Funding lets you put equipment to work this year and spread the cost over 24 to 84 months.
Start now
Equipment generally has to be in service, not just ordered, by year-end. Delivery and setup take time, so don't wait for December.
Already bought it?
Retroactive funding up to 180 days after purchase, with the original invoices, can put cash back in your business.
Want the details? Read our guide to Section 179 in 2026.
SCS does not provide tax advice. Whether and how much you can deduct depends on your business and current tax law, so confirm with your tax advisor.
How does equipment financing work?
Equipment capital works differently from working capital. The equipment itself is the collateral, so approval is driven mainly by its value and earning power, not only by credit history.
That matters: an operator with complicated cash flow can still fund substantial equipment, because the asset justifies it. We place each deal with lenders who specialize in that type of equipment.
- Range
- $5,000 to $50,000,000
- Terms
- 24 to 84 months, fixed monthly payments
- New businesses
- Startup programs available
- Credit
- A, B and C credit profiles considered
- Collateral
- The equipment being funded
- New or used
- Both, plus sale-leaseback structures
What equipment can be financed?
New or used, from a single machine to a full facility, for established operating businesses.
Focus industriesHow equipment finance works for healthcare practices, manufacturers and hotels and hospitality operators.
Common questions about equipment finance
How much equipment finance can SCS place?
Equipment finance runs from $5,000 to $50,000,000.
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 can equipment financing 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.
Do you finance a single truck for an owner-operator?
No. We work with established operating businesses and fleets, not single-truck owner-operators.
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.
Ready before year-end?
Apply now, or start with a free Capital Assessment. Equipment files can fund as fast as next day.
Prefer to talk first? Call 801-362-3002