Start with the equipment, timeline, and business goal.
Equipment Financing Guidance
Need to finance equipment without draining working capital?
We help you compare loan and lease structures so the payment matches the asset and your cash-flow reality.
Loan Range: $25,000 – $2,500,000
Typical Timeline: 7–30 days
- Commercial vehicles, fleet, and heavy equipment
- Manufacturing machinery and production upgrades
- Construction, medical, restaurant, and specialty tools
- A practical first conversation before you start applying
Talk Through Your Scenario
Share the basics. We'll map the likely path.
Compare loan versus lease tradeoffs before you apply.
Stay supported from term sheet through funding.
What Are You Trying To Do?
These are the conversations we most often have.
Add or replace revenue-producing equipment
You need the equipment soon and want a payment structure that doesn't squeeze cash flow.
Decide between a loan and a lease
You want to understand how ownership, tax treatment, and monthly cost compare before you commit.
Finance used or specialty equipment
You're not sure which lenders will finance the asset class or vintage — and want realistic options early.
Upgrade without a large upfront outlay
You want to preserve working capital and spread the cost over the useful life of the equipment.
How We Evaluate The Deal
We keep the early conversation practical so you know the likely path before the paperwork starts.
Understand the Equipment and the Goal
We start with what you're acquiring, the vendor quote, and what you need the payment to look like.
Compare Loan, Lease, and Vendor Programs
We outline likely structures, down payment expectations, and term lengths so you can compare clearly.
Match the Deal to Likely-Fit Lenders
Once the path is clear, we match the deal to lenders comfortable with the equipment type and your profile.
Stay Involved Through Funding
We stay close as the file moves so you're not managing lender requests alone.
Executive Summary
What Lenders Usually Want To See
At a high level, these are the points equipment lenders usually focus on first.
Equipment type, condition, and vendor quote or invoice
New versus used — and expected useful life
Business operating history and time in business
Cash flow and ability to service the payment
Credit profile of the business and guarantor
Down payment capacity and overall liquidity
Equipment financing is usually about keeping the business moving without tying up the cash you need for operations. We help you sort out the realistic options before you start applying.
When equipment financing tends to fit
- A revenue-producing asset needs to be added or replaced and the business wants to preserve working capital
- The equipment vendor has a quote ready and you want to compare financing paths
- The business needs to upgrade but a large upfront purchase would strain cash flow
- A lease structure may be a better fit than a loan — or vice versa — and you want to understand the tradeoffs
What lenders usually want clarified early
- The equipment type, vendor, and whether the asset is new or used
- The expected useful life relative to the term being requested
- Business time in operation, annual revenue, and cash-flow capacity
- Whether the borrower or guarantor credit profile fits the lender’s program
- Down payment availability and any trade-in or existing equipment offset
Loan versus lease — how we help you decide
The right structure depends on how long you expect to use the equipment, whether you want to own it at the end, and how the payment affects your tax position. We walk through the tradeoffs early so the decision is clear before the file moves forward.
How we help you avoid poor-fit lenders
Not every equipment lender finances every asset type or deal size. We match the deal to lenders who are comfortable with the specific equipment, the borrower profile, and the requested terms — so you’re not wasting time on applications that won’t close.
What Clients Say
Clients come to us for clarity, speed, and straight answers.
"Rexford moved fast, explained every option clearly, and helped us close on terms that worked for our cash flow."
Clear guidance before the file gets heavy.
- Start with the equipment, timeline, and business goal.
- Compare loan versus lease tradeoffs before you apply.
- Stay supported from term sheet through funding.
Frequently Asked Questions
Loan or lease — which is better?
It depends on your tax strategy, monthly payment goals, and how long you plan to use the equipment. We help you compare the tradeoffs before you apply.
Can used equipment be financed?
Yes. Many lenders finance used equipment if the condition, value, and expected useful life meet their guidelines.
How much down payment is required?
Down payment requirements vary by equipment type, borrower profile, and lender program. Some programs offer low or no down payment for strong credits.
How fast can equipment financing close?
Many equipment deals fund in seven to thirty days once the application and vendor quote are in. Simpler deals can move faster.
Do you finance specialty or niche equipment?
We work with lenders across a range of asset classes — including medical, restaurant, and construction equipment. If you have a quote, we can usually find a realistic path.