Two ways to get the equipment your business needs — finance it and own it, or lease it and preserve cash flow. From a single truck to a $5M manufacturing line, we match you with the right structure from our 122+ lender network.
Equipment financing allows your business to purchase, lease, or refinance machinery, vehicles, technology, and other business-critical equipment without paying the full cost upfront. The equipment itself serves as collateral, which means you don't need to pledge personal assets or put up additional security.
With fixed monthly payments and terms ranging from 12 months to 7 years, equipment financing gives you predictable costs while preserving your working capital for day-to-day operations. You can finance new or used equipment, and in many cases, get pre-approved before you even pick your equipment.
At Blackburn Business Capital, we work with 100+ lending partners who specialize in equipment financing across every industry — from construction and trucking to medical, restaurant, and manufacturing. Whether you need a $15,000 commercial oven or a $5M CNC machine, we'll match you with the best terms available.
We offer multiple structures including equipment loans (you own it from day one), capital leases (you own it at the end), operating leases (return or upgrade at the end), and sale-leasebacks (unlock cash from equipment you already own).
2-minute application. Basic business info.
We match you with the best lender from 100+ partners.
Compare terms and pick the best deal.
Funds deposited as fast as 24 hours.
No impact to your credit score
You own the equipment outright once the loan is paid off. Fixed monthly payments, the equipment is collateral, and you build equity in the asset from day one.
You use the equipment for a set term and return, renew, or purchase it at the end. Lower monthly payments and easy upgrades when technology changes.
Excavators, bulldozers, cranes, loaders, dump trucks, concrete mixers. New or used. Single units or full fleets.
Semi trucks, box trucks, delivery vans, trailers, refrigerated units. Individual owner-operators to fleet expansions.
X-ray machines, MRI units, ultrasound, dental chairs, imaging systems. New practice setup or equipment upgrades.
Commercial ovens, walk-in coolers, point-of-sale systems, food trucks, brewing equipment. Everything to feed your customers.
CNC machines, lathes, presses, assembly lines, packaging systems, robotics. Scale your production capacity.
Servers, networking infrastructure, computer fleets, phone systems, security equipment, specialized software licenses.
Keep your working capital for operations, payroll, and opportunities. Let the equipment pay for itself through the revenue it generates.
Deduct the full purchase price of qualifying equipment in the year you buy it. This can dramatically reduce your tax liability and effective cost.
Finance brand new equipment from any dealer or manufacturer, or fund pre-owned equipment. We're flexible on equipment age and source.
No need to pledge your home, savings, or other assets. The equipment you're financing secures the loan, keeping your personal assets protected.
Know exactly what you'll pay every month for the life of the loan. No surprises, no variable rates. Budget with confidence.
Choose the structure that fits: equipment loan (own it), capital lease (own at end), operating lease (upgrade at end), or sale-leaseback (cash out).
It depends on your situation. Buying (through an equipment loan) makes sense when the equipment has a long useful life and you want to build equity. Leasing makes sense when technology changes quickly, you want lower monthly payments, or you want the flexibility to upgrade. A capital lease lets you own it at the end for $1. An operating lease lets you return it or upgrade. Your funding advisor will help you determine the best structure for your specific equipment and business needs.
Yes. Many of our lending partners finance both new and used equipment. The key factors are the remaining useful life of the equipment and its current market value. Used equipment may have slightly different terms than new equipment, but we have lenders who specialize in pre-owned equipment financing across virtually every equipment category.
Many equipment financing programs offer zero down or minimal down payment options, especially for borrowers with strong credit. Typical down payments range from 0-20% depending on your credit profile, the type of equipment, and the loan structure. Putting more down usually gets you a lower monthly payment and better rate.
Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment in the year it's placed in service, rather than depreciating it over several years. This can result in significant tax savings. For example, if you finance $100,000 in equipment and your effective tax rate is 25%, you could save $25,000 in taxes that year. Consult your CPA for specifics about your situation.
Yes. Many business owners prefer to know their budget before they start shopping. We can help you get pre-approved for a specific amount, so you can negotiate with equipment dealers from a position of strength — essentially as a cash buyer. Pre-approval typically takes 24-48 hours.
That's called a sale-leaseback. You sell your owned equipment to a lender and lease it back. You get a lump sum of cash while continuing to use the equipment. It's an excellent way to unlock working capital from assets that are sitting on your balance sheet. We have multiple lending partners who specialize in sale-leaseback transactions.
Most equipment financing is approved within 24-48 hours and funded within 3-7 business days. Larger transactions ($500K+) may take slightly longer for underwriting. The timeline also depends on how quickly you provide documentation and finalize your equipment selection with the dealer.
Yes, though options may be more limited. Startups typically need stronger personal credit (650+), may require a larger down payment, and might be limited to smaller equipment amounts initially. Some of our lending partners have specific startup equipment financing programs. We also have SBA options that can work for startup equipment needs.
Tell us what equipment you need and we'll match you with the best financing terms from our network of 100+ lending partners. Pre-approval available before you shop.