Home / Products / Equipment Financing

Finance the gear that grows the business.

Trucks, machinery, restaurant gear, medical, manufacturing, tech — all fundable. Up to $2M, 100% financing, title in your name from day one. The equipment is the collateral, so qualifying is easier and rates stay tight.

$2M
Maximum Amount
100%
Financing Available
8%
APR Starting
84mo
Maximum Term
Finance equipment → See terms
01 / Overview

Loans secured
by the gear itself.

Equipment financing is a term loan where the equipment you're buying serves as collateral. That structure makes qualification easier than unsecured products and keeps APRs low even for younger businesses or thinner credit profiles. New, used, vendor, private-party — we fund all of it. Title comes to you on day one; we just hold a UCC-1 lien until the loan is paid off.

02 / What we finance

If it's gear,
we'll fund it.

Six common categories. If you don't see yours below, ask anyway — we fund a lot more than this list.

Trucks & trailers

Box trucks, semis, sprinters, refrigerated, flatbed. Up to 100% financing on new and used. Class 8 down to delivery vans.

Heavy machinery

Excavators, loaders, telehandlers, generators, lifts. Construction, ag, mining, landscaping — all eligible.

Restaurant equipment

Kitchen lines, walk-ins, espresso, POS systems, dining buildouts, refrigeration, smallwares packages.

Medical & dental

Imaging, dental chairs, lab equipment, autoclaves, sterilizers, patient monitors, surgical platforms.

Manufacturing tools

CNC machines, presses, robotics, conveyors, packaging lines, welders, injection molding.

Tech & IT

Servers, racks, networking, kiosks, fleet computers, copiers, AV systems, retail tech buildouts.

03 / How it works

Pre-approve.
Buy. Use.

01

Pre-Approve

Apply with your target equipment and amount. Soft pull. We give you a pre-approval with the rate, term, and any down payment within 24 hours.

02

Find Your Equipment

Vendor, dealer, manufacturer, private seller — your choice. New or used. We don't lock you to a network. Send us the invoice or bill of sale once you've decided.

03

We Wire The Seller

We pay the seller direct, the title is registered in your name, and the equipment ships. Your first payment is due 30 days after funding.

04 / Terms

The numbers.
All of them.

Equipment financing is a fixed-APR term loan. Same payment every month, same payoff date, no surprises.

Loan Amount
$25K – $2M
APR
8% – 18%based on credit, time in business, and equipment type
Term
24 – 84 monthsamortized over equipment useful life; no balloon
Down Payment
0% – 10%100% financing available on most new equipment
Collateral
The equipmentUCC-1 lien only; no additional collateral required
Title
In your namefrom day one; lien released automatically at payoff
05 / Requirements

What you
need to qualify.

Equipment is the collateral, so qualification is easier than unsecured products. Younger businesses and thinner credit files are workable here.

3+ months in businessNew businesses considered with strong personal credit and industry experience
600+ personal FICOLower scores considered with larger down payment or stronger profile
Equipment quote or invoiceFrom any vendor, dealer, or private seller; required at funding
Used equipment up to 10 years oldOlder units case-by-case based on type and condition
US-based business50 states + DC; equipment must operate primarily in the US
Personal guaranteeRequired on loans under $250K; corporate-only on larger structures
06 / FAQ

Equipment
questions.

Specific to equipment financing. For general questions, see the main FAQ.

Can I finance used equipment?
Yes — up to 10 years old at funding. Older units case-by-case. Used equipment may carry a slightly higher rate or down payment depending on category, condition, and remaining useful life.
Do I have to use a specific vendor?
No. Buy from any vendor, dealer, or private seller. We wire the seller direct and the title comes to you. We never push you toward a partner network — you pick the gear, we fund the deal.
Can I do private-party purchases?
Yes, with a clean title and inspection. We'll verify the equipment, confirm fair market value (sometimes via third-party appraisal for higher amounts), and wire the seller — you ride away with the title.
Can I refinance equipment I already own?
Yes. Pull cash out of equipment you bought outright or refinance higher-rate equipment loans into a Bolt loan. We pay off the existing lien (or wire you cash for owned equipment) and roll it into a single fixed-APR loan at our rate.
How fast is funding?
Pre-approval in 24 hours. Once you've identified equipment and we've verified title and condition, funding is typically 2–5 business days. New-equipment vendor purchases are often faster than private-party deals because the title chain is cleaner.
07 / Other products

Need something
different?

/ Line of Credit

Cash on demand. Up to $500K.

Revolving credit you can pull from anytime, for any business purpose. Pay only on what you use. No draw fees, no maintenance fees, no end date.

Explore LOC →
/ Invoice Factoring

Stop waiting 60 days for receivables.

Sell unpaid B2B invoices for same-day cash up to 90% of face value. Recourse and non-recourse options. Customer credit drives qualification, not yours.

Explore factoring →

Get the gear.
Skip the wait.

Two-minute pre-approval. Soft credit pull. Funded in 2–5 days. Title in your name day one.

Finance equipment →