Equipment Financing
Equipment Financing
Acquire the equipment your business needs without draining your working capital. Finance new or used equipment with the asset itself serving as collateral — no additional security required.
Equipment financing from Direct Money lets you acquire the tools, machinery, vehicles, or technology your business needs today — while spreading the cost over time.
The equipment itself secures the loan, making approval easier and rates more competitive.
Start your applicationRates & Terms
Competitive rates tailored to your profile.
How It Works
Select Your Equipment
Identify the equipment you need — from a vendor quote or private seller. We finance new and used.
Apply & Get Approved
Submit your application with equipment details. Decisions typically within 24 hours.
Equipment Delivered
We pay the vendor directly. You take delivery and start using your equipment immediately.
Basic Requirements
What you'll need to qualify.
Frequently Asked Questions
What types of equipment can I finance?
Almost any business-use equipment: construction machinery, medical devices, restaurant equipment, vehicles, technology, manufacturing tools, and more.
Can I finance used equipment?
Yes. We finance both new and used equipment, subject to age and condition guidelines set by the lender.
Do I need a down payment?
In many cases no down payment is required, especially for well-qualified borrowers. Some transactions may require a small down payment depending on the equipment type and your credit profile.
Are there tax advantages?
Potentially yes. Under Section 179 of the IRS tax code, businesses may be able to deduct the full purchase price of qualifying equipment in the year it's placed in service. Consult your tax advisor.
Get the Equipment Your Business Needs
Finance up to 100% of equipment cost. Fast approvals, competitive rates, and no drain on your working capital.