Loan Services
Equipment Financing for Small Business
Finance-or-lease guidance and applications for the equipment your business runs on.
Is this you?
You need a new machine, vehicle or system and don't want to pay cash for it.
A vendor is pushing their own financing and you haven't compared it to anything else.
You're not sure if leasing or buying makes more sense for your taxes this year.
If any of those sound familiar, or call +1 (305) 819-3675.
The Wrong Structure Costs More Than the Equipment
Paying cash for equipment ties up money you may need for payroll or inventory next month. Financing it the wrong way, a bad lease term, a missed Section 179 election, a vendor rate nobody compared, ends up costing more than the equipment itself over its useful life.
1–2 weeks
Typical closing time for standard equipment financing
Why owners choose us for this
A fixed fee, quoted before we start.
You know the cost of putting your financing package together before any work begins.
We shop more than one lender for you.
We work with multiple lenders to find the right program, rate and terms for the equipment you need, instead of taking the vendor's own financing by default.
Books that already reconcile, one file to the lender.
SMAART also handles your accounting, so the same clean numbers that go on your tax return go into your equipment application.
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What you actually get
A finance-versus-lease comparison and an application built around it.
Ready when you are
How it works
- 1
Compare
We model financing versus leasing against your tax position and cash flow, including Section 179 and bonus depreciation, before you commit to either.
- 2
Source
We match you to lenders who specialize in your equipment type, medical, restaurant, technology, construction or fleet, for pricing a generalist bank will not match.
- 3
Package
We prepare the application, financial statements and vendor quotes the lender needs, including any soft costs you want rolled into the financing.
- 4
Fund
We manage the approval and funding process so your equipment arrives on schedule, not delayed behind paperwork.
Included Services & Outcomes
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Equipment Financing insights
Questions
Equipment Financing FAQ
Should I finance or lease my equipment?
It depends on how long you will use the equipment, whether you want to own it at the end, and your current tax position. Financing builds equity and supports Section 179 expensing; leasing preserves capital and can simplify upgrades. We model both against your numbers before you decide.
Can soft costs like installation and training be financed?
Often, yes. Many equipment lenders will roll installation, delivery, training and setup into the financed amount rather than requiring them paid out of pocket, which keeps more cash in the business at close.
How fast can equipment financing close?
Standard equipment financing with a straightforward credit profile typically closes in 1 to 2 weeks. Larger acquisitions or specialized equipment with vendor coordination can run 3 to 4 weeks.
What credit and time-in-business do I need to qualify?
Most equipment lenders want at least 1 to 2 years in business and a credit profile that supports the loan size, though newer businesses can often qualify with a larger down payment or a personal guarantee. We scope your specific situation in the first call.
Can SMAART help me plan Section 179 elections before year-end?
Yes. Because SMAART also handles tax planning, equipment financing decisions can be timed to Section 179 and bonus depreciation deadlines so the purchase reduces this year's tax bill, not just next year's cash flow.
Put SMAART Loans behind your equipment financing
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business.