Equipment Financing in NJ - Purchase or Lease Business Equipment
If your business needs new tools, vehicles, or machinery to grow, our equipment financing options make it possible without the burden of large upfront costs. We help New Jersey businesses secure flexible, affordable equipment loans and leases-so you can keep operations running smoothly and invest in the future.
Finance or Lease? Let's Find What Fits Your Business
There are two primary ways to get the gear you need:
Equipment Loan
You borrow funds to purchase the equipment outright. The equipment often serves as collateral, and you repay the loan over 2-7 years. Once paid off, you own it fully.
Equipment Lease
You rent the equipment for a fixed term. Depending on the lease type, you may return it, extend the lease, or buy the equipment (like with a $1 buyout lease). Leasing can offer lower monthly payments and more flexibility-especially if you regularly upgrade equipment.
We'll help you compare both options and structure terms that support your cash flow, budget, and tax goals.

Key Benefits of Equipment Financing
Preserve working capital
Avoid tying up large sums of cash in purchases
Quick funding
Smaller deals can be approved in days; larger ones within 1-2 weeks
Minimal down payment
In many cases, zero down or just first/last lease payment
Tax advantages
You may be eligible for Section 179 deduction, allowing you to write off equipment costs (ask your CPA)
Start using the equipment to earn before paying it off
They're often used interchangeably. "Bridge loan" usually refers to using equity from one property to buy another, while "short-term loan" is a broader term that includes bridge, fix-and-flip, and gap financing.
We Finance Equipment for Many NJ Industries
Whether you're in Bergen County, Middlesex County, or anywhere across New Jersey, we can help finance nearly any type of business equipment, including:
- Construction equipment (excavators, bulldozers, cranes)
- Commercial vehicles & trucks (single or fleet)
- Medical, dental, or diagnostic machines
- Restaurant & foodservice appliances
- Manufacturing & warehouse machinery
- Office technology & IT infrastructure
- Specialty or niche industry equipment (case-by-case)
We also help finance used equipment, depending on condition and age.
Simple Process, Fast Results
For equipment under $100,000, we can often get started with just a 1-page application and a quote from the vendor. Larger purchases may require financial statements or tax returns. We compare offers from a wide network of lenders to find the best match for your industry and financing needs.
Our team knows how to package your application to move quickly-saving you time and hassle so you can focus on running your business.
Common Questions About Equipment Loans & Leasing
What credit score is needed?
Most lenders look for 650+ credit, but we have programs that can help borrowers with less-than-perfect credit-rates will vary.
Can startups qualify?
Yes, especially if the equipment is standard or easy to resell. Startups may need a higher down payment or personal guarantee. SBA 7(a) loans can also help new businesses finance equipment (see our SBA page for more).
How fast is the approval process?
Smaller-ticket deals may be approved and funded in 2-5 days. Larger transactions can take a week or two depending on complexity.
Should I lease or buy?
If you want to own the equipment long-term, go with a loan or capital lease. If you want to upgrade every few years or lower monthly costs, an operating lease may be better. We'll walk you through both to find what works.
Ready to Upgrade Your Equipment Without Draining Your Cash?
Outdated or broken equipment can hold your business back. Let's fix that. With our tailored equipment financing solutions, you can access the tools you need today-and pay over time as your business grows.
Apply for Equipment Financing or Contact Us to Discuss Options