Equipment Financing structured around cash flow, asset value, and how your business operates
Flexible equipment financing for businesses and sales-driving financing programs for equipment vendors and manufacturers.
Who we help
We support two core groups:
Business Owners & Operators
- Small and mid-sized businesses acquiring equipment
- Companies upgrading, expanding, or replacing assets
- Businesses preserving cash while scaling operations
- Buyers of new or used equipment across most industries
Equipment Manufacturers, Distributors & Vendors
- Sellers looking to offer financing to their customers
- Companies seeking higher close rates and larger deal sizes
- Vendors who want financing without using internal capital
We work best with business owners who value transparency, structure, follow-through, and a long-term financing partner, not just the fastest or cheapest offer advertised online.
We support two core groups:
Business Owners & Operators
- Small and mid-sized businesses acquiring equipment
- Companies upgrading, expanding, or replacing assets
- Businesses preserving cash while scaling operations
- Buyers of new or used equipment across most industries
Equipment Manufacturers, Distributors & Vendors
- Sellers looking to offer financing to their customers
- Companies seeking higher close rates and larger deal sizes
- Vendors who want financing without using internal capital
We work best with business owners who value transparency, structure, follow-through, and a long-term financing partner, not just the fastest or cheapest offer advertised online.
What equipment can be financed
We arrange financing for virtually all types of business equipment, including but not limited to:
- Construction and heavy equipment
- Transportation, vehicles, fleets and trailers
- Medical, dental and healthcare equipment
- Manufacturing and industrial machinery
- Hospitality and restaurant equipment
- Agriculture, forestry, logging and landscaping
- Technology, POS and specialty systems
- Fitness, gym & recreational equipment
New and used equipment eligible
We arrange financing for virtually all types of business equipment, including but not limited to:
- Construction and heavy equipment
- Transportation, vehicles, fleets and trailers
- Medical, dental and healthcare equipment
- Manufacturing and industrial machinery
- Hospitality and restaurant equipment
- Agriculture, forestry, logging and landscaping
- Technology, POS and specialty systems
- Fitness, gym & recreational equipment
New and used equipment eligible
Types of equipment financing options
Financing structures are matched to the asset, cash flow, and use case
- Equipment Loans – Own the equipment with fixed payments over time
- Equipment Leasing – Preserve cash with flexible end-of-term options
- Sale-Leaseback Financing – Unlock capital from equipment you already own
- Asset-Based Equipment Financing – Leverage equipment value alongside cash flow
- Soft-Cost & Project Financing – Include installation, delivery, and related costs
Financing structures are matched to the asset, cash flow, and use case
- Equipment Loans – Own the equipment with fixed payments over time
- Equipment Leasing – Preserve cash with flexible end-of-term options
- Sale-Leaseback Financing – Unlock capital from equipment you already own
- Asset-Based Equipment Financing – Leverage equipment value alongside cash flow
- Soft-Cost & Project Financing – Include installation, delivery, and related costs
Not sure which structure fits? Discuss your options →
Financing solutions for manufacturers and distributors to increase sales
We help equipment manufacturers, distributors, and resellers offer financing directly to their customers, making purchases easier and accelerating sales.
Vendor & customer financing can help you:
- Increase close rates and average order value
- Shorten sales cycles by removing price objections
- Get paid upfront while financing is handled externally
- Offer competitive financing without balance sheet risk
How it works:
- Financing is offered to the end customer
- Approval is based on the customer’s credit and cash flow
- You receive payment while the lender services the financing
Industries supported are the same ones listed in the section above: construction, transportation/logistics, medical, manufacturing, industrial, hospitality, agriculture, fitness, technology, specialty equipment and more.
We help equipment manufacturers, distributors, and resellers offer financing directly to their customers, making purchases easier and accelerating sales.
Vendor & customer financing can help you:
- Increase close rates and average order value
- Shorten sales cycles by removing price objections
- Get paid upfront while financing is handled externally
- Offer competitive financing without balance sheet risk
How it works:
- Financing is offered to the end customer
- Approval is based on the customer’s credit and cash flow
- You receive payment while the lender services the financing
Industries supported are the same ones listed in the section above: construction, transportation/logistics, medical, manufacturing, industrial, hospitality, agriculture, fitness, technology, specialty equipment and more.
Basic requirements to qualify for equipment financing
Equipment financing decisions are driven by both the borrower and the asset.
Common requirements may include:
- Completed financing application
- 3–6 months of business bank statements (varies by product)
- Time in business and revenue history
- Equipment quote, invoice, or specifications
- Credit profile (business and/or personal, depending on structure)
For startups or newer businesses, additional collateral or guarantor support may be required.
We evaluate feasibility upfront so you do not waste time pursuing financing that will not close.
Equipment financing decisions are driven by both the borrower and the asset.
Common requirements may include:
- Completed financing application
- 3–6 months of business bank statements (varies by product)
- Time in business and revenue history
- Equipment quote, invoice, or specifications
- Credit profile (business and/or personal, depending on structure)
For startups or newer businesses, additional collateral or guarantor support may be required.
We evaluate feasibility upfront so you do not waste time pursuing financing that will not close.
Is this the right fit?
Is this the right fit?
We work best with business owners who value clarity, follow-through, and long-term relationships; not just the lowest advertised rate.
We will tell you early if your deal is feasible and why
We work best with business owners who value clarity, follow-through, and long-term relationships; not just the lowest advertised rate.
We will tell you early if your deal is feasible and why
What can you expect?
Loan programs, terms and key points
Loan programs, terms and key points
| Equipment Financing Type | Typical Amount | Term Length | Key Points |
|---|---|---|---|
| Equipment Loans | $5K – $60M | 2–7 years | New or used equipment; up to 100% financing in select cases |
| Equipment Leasing | $5K – $50M | 2–7 years | Operating or capital leases with $1 buyout option |
| Sale-Leaseback Financing | $50K – $50M | 3–7 years | Typically 40-80% of the asset's market value |
| Asset-Based Equipment Financing | $5K – $30M | 2–7 years | 70-90% of the asset's value or purchase price, possibly up to 100% |
| Vendor / Customer Equipment Financing | $5K – $60M | 2–7 years | Up to 100% financing possible |
| Equipment Financing Type | Typical Amount | Term Length | Key Points |
|---|---|---|---|
| Equipment Loans | $5K – $60M | 2–7 years | New or used equipment; up to 100% financing in select cases |
| Equipment Leasing | $5K – $50M | 2–7 years | Operating or capital leases with $1 buyout option |
| Sale-Leaseback Financing | $50K – $50M | 3–7 years | Typically 40-80% of the asset's market value |
| Asset-Based Equipment Financing | $5K – $30M | 2–7 years | 70-90% of the asset's value or purchase price, possibly up to 100% |
| Vendor / Customer Equipment Financing | $5K – $60M | 2–7 years | Up to 100% financing possible |
Higher leverage structures may involve layered capital or additional collateral.
👉 Not sure which structure fits your deal? Discuss your financing options →
Pricing, fees and payment structure
Typical total cost: ~2%–5% of the financed amount
Includes:
- Origination & structuring
- Third-party reports (if applicable)
- Legal, closing, and lender fees
Payment options may include:
- Fixed monthly payments
- Step-up or seasonal structures
- Deferred or delayed first payments (in select programs)
All costs are explained upfront, no surprises.
We design payment structures around cash flow, not just rates. Talk through structures →
Contract terms
- Some programs include no prepayment penalties
- Others trade flexibility for speed or leverage
- Terms are explained before submission
Credit considerations
- Typically credit score > 650
- Can go as low as 520 in rare instances
- Heavy emphasis on cash flow and ability to repay the obligation
We position your deal to lenders before submission. Review your deal strength →
Pricing, fees and payment structure
Typical total cost: ~2%–5% of the financed amount
Includes:
- Origination & structuring
- Third-party reports (if applicable)
- Legal, closing, and lender fees
Payment options may include:
- Fixed monthly payments
- Step-up or seasonal structures
- Deferred or delayed first payments (in select programs)
All costs are explained upfront, no surprises.
We design payment structures around cash flow, not just rates. Talk through structures →
Contract terms
- Some programs include no prepayment penalties
- Others trade flexibility for speed or leverage
- Terms are explained before submission
Credit considerations
- Typically credit score > 650
- Can go as low as 520 in rare instances
- Heavy emphasis on cash flow and ability to repay the obligation
We position your deal to lenders before submission. Review your deal strength →
Why clients work with FullHorn Finance
• Access to bank and non-bank lenders
• One point of contact from structure to close
• Honest feasibility feedback before submission
• Experience across owner-occupied and investment assets
