REAL ESTATE INVESTOR FINANCING
Equipment Financing Guide
How the equipment itself secures the financing and how the amount is tied to equipment value.
What It Is
Equipment financing where the eligible equipment cost or value determines the amount and the equipment itself generally serves as collateral. For vehicles, machinery, construction equipment, medical equipment, restaurant equipment, and production assets.
What Problem It Solves
A business needs to acquire equipment but doesn't want to pay the full cost upfront. The equipment secures the financing, so the amount is tied to the equipment value and the business's ability to repay.
When It's Commonly Used
Vehicles, machinery, construction equipment, medical equipment, restaurant equipment, and production assets where the equipment itself can serve as collateral.
Who Generally Qualifies
Operating businesses with ~$15K+/month in revenue and a 600+ FICO acquiring eligible equipment. The equipment itself generally serves as collateral — the structure is secured, not unsecured.
How the Amount Is Determined
By the eligible equipment cost or value, subject to the lender, business revenue, and credit profile. The equipment secures the financing, so the amount is tied to the equipment rather than to unsecured borrowing power.
When to Use a Different Product
If the need is unsecured working capital, a Business LOC or Working Capital loan fits. If the need is a lump sum for non-equipment use, a Business Term Loan is the route. If the core requirement (contract, spread, seller carry, or funded end buyer) is missing, a different product — or a restructured transaction — is usually a better fit than forcing the structure.
How Green Fire Structures It
Green Fire reviews the equipment cost/value, the business revenue, and the credit profile, then identifies a lender whose equipment-financing structure fits the asset and the business's cash flow.
Frequently Asked Questions
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View Equipment Financing ProgramRelated Guides
Business Term Loan Guide
Lump-sum fixed-payment capital and how the amount is set by the lender, not the deal.
Read GuideWorking Capital Guide
Short-term operating capital, same-day options, and why it's not cheap long-term debt.
Read GuideInvoice / AR Financing Guide
How account-debtor credit quality drives the advance, not the business's own credit.
Read GuideEducational content only. Guides describe how financing structures generally work and are not approvals, commitments, or guarantees of terms. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by provider, property, location, borrower qualifications, documentation, and deal structure. All financing is subject to independent provider review, underwriting, and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.
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