Equipment Financing — Get the Tools Your Business Needs
Don't let equipment costs hold back your business. Finance the machinery, vehicles, and technology your team needs to operate at full capacity.
Modern equipment is the backbone of a productive business, but purchasing it outright can strain even a healthy balance sheet. Equipment financing lets you acquire the tools you need now while spreading the cost over time — preserving your working capital for the day-to-day demands of running your operation.
Tesni Capital works with lenders who specialize in equipment financing across virtually every industry. Whether you're a contractor needing excavators, a restaurant owner upgrading the kitchen, a medical practice adding diagnostic equipment, or a trucking company expanding its fleet, we'll match you with the best available financing options for your specific equipment type.
Equipment financing is one of the most accessible forms of business funding because the equipment itself serves as collateral. This means faster approvals, competitive rates, and terms that often align with the useful life of the asset. Many businesses qualify even with limited credit history when the equipment value supports the loan.
We finance new and used equipment from both dealers and private sellers. Our application process is simple and fast — most decisions are returned within 24–48 hours. Start your application online or call our team at (281) 653-6760 to discuss your specific equipment needs.
Do You Qualify?
All credit profiles considered — options available for scores under 650. While some programs require stronger credit, we also offer private lending options that are revenue-driven, not credit-score driven. Businesses with scores under 650 may still qualify.
Frequently Asked Questions
Can I finance used equipment?
Yes. Many of our lending partners finance both new and used equipment, including purchases from private sellers. The age, condition, and type of equipment may affect terms and eligibility.
How much can I finance?
Equipment financing amounts typically range from $10,000 to several million dollars depending on the equipment type, your business financials, and the lender. We'll match you with the best available options for your situation.
What types of equipment qualify?
Almost any business-use equipment qualifies — vehicles, heavy machinery, medical devices, restaurant equipment, technology systems, manufacturing equipment, and more. If your business uses it to generate revenue, there's likely a financing option for it.
Do I own the equipment or is it a lease?
Both loan and lease structures are available. With a loan, you own the equipment outright after payoff. With a lease, you may have an option to purchase at the end. We'll help you understand which structure is most advantageous for your situation.
Does equipment financing affect my working capital?
That's one of the key advantages. Equipment financing lets you preserve your working capital and cash flow for operations, payroll, and growth rather than tying it up in a large purchase. Payments are predictable and can often be structured to match your revenue cycles.
Related Funding Solutions
Ready to Finance Your Equipment?
Apply in minutes. Get a decision in 24–48 hours. Start operating at full capacity.