Equipment Financing Directory
All Commercial Equipment Financing Directory
The most comprehensive directory of commercial equipment financing guides on the web. Every major equipment category, brand, and financing guide — organized for fast navigation. Whether you're financing your first mini excavator or a $3 million MRI system, find your equipment type below for price ranges, monthly payment estimates, manufacturer comparisons, and approval requirements.
300+Equipment Types Covered
15+Equipment Categories
$5K–$5M+Equipment Price Range
12–84 moFinancing Terms Available
Key Facts: Commercial Equipment Financing
Equipment Categories15+ major categories
Individual Types Covered300+ equipment types
Price Range$5,000 to $5,000,000+
Lender TypesBanks, OEM captive, alt lenders
Terms Available12–84 months
Get Matchedaxiantpartners.com/match
Category Overview
Equipment Categories by Price Range and Term
The table below provides a quick reference for financing terms across major equipment categories. Use this to understand the typical financing profile for your equipment type before diving into the detailed guide.
| Category | Price Range | Typical Term | Top Brands |
|---|---|---|---|
| Construction | $25,000–$2,000,000 | 48–84 months | Cat, Komatsu, Volvo, Liebherr |
| Agricultural | $30,000–$700,000 | 60–84 months | John Deere, Case IH, Kubota |
| CNC / Manufacturing | $50,000–$500,000 | 48–72 months | Haas, Mazak, DMG Mori |
| Medical / Imaging | $100,000–$3,000,000 | 60–84 months | GE Healthcare, Siemens, Philips |
| Forklifts / Warehouse | $20,000–$200,000 | 48–72 months | Toyota, Crown, Hyster-Yale |
| HVAC / Mechanical | $15,000–$500,000 | 48–72 months | Carrier, Trane, Lennox |
| Forestry / Tree | $20,000–$400,000 | 48–72 months | Vermeer, Morbark, Fecon, Bandit |
| Fitness / Wellness | $10,000–$200,000 | 36–60 months | Life Fitness, Technogym, Precor |
Quick Payment Reference
Monthly Payment Estimates by Equipment Type
Estimates below assume 7% APR and 60-month term. Actual payments depend on credit score, loan term, down payment, and lender. Use these as rough planning figures and see individual equipment guides for model-specific estimates.
| Equipment | $100K at 7% / 60 mo | $250K at 7% / 60 mo | $500K at 7% / 60 mo |
|---|---|---|---|
| Excavator | $1,981/mo | $4,952/mo | $9,904/mo |
| Tractor | $1,981/mo | $4,952/mo | $9,904/mo |
| CNC Machine | $1,981/mo | $4,952/mo | N/A (typical max $500K) |
| MRI Machine | N/A (typically $1M+) | $4,952/mo | $9,904/mo |
| Forklift | $1,981/mo | N/A (typically under $200K) | N/A |
Payment estimates are illustrative. See individual equipment pages for detailed model-specific estimates. For help with your specific equipment and credit situation, call (919) 907-2611 or visit axiantpartners.com/match.
Equipment Directory
Browse All Equipment Financing Guides
Construction Equipment
- Excavator Financing — Mini to large excavators, Cat, Komatsu, XCMG
- Bulldozer Financing — Crawler dozers, Cat D6/D8, Komatsu D65
- Skid Steer Financing — Bobcat, Cat, Case, John Deere
- Wheel Loader Financing — Cat 950, Komatsu WA380, Volvo L120
- Crane Financing — RT, AT, crawler, tower cranes
- Aerial Lift Financing — Boom lifts, scissor lifts, telehandlers
- Compactor & Roller Financing — Soil, asphalt, landfill compactors
- All Construction Equipment — Complete guide to all construction financing
Agricultural Equipment
- Tractor Financing — Compact to 4WD articulated
- Combine Harvester Financing — JD S-Series, Case IH Axial-Flow
- John Deere Tractor Financing — All series from 1R to 9R
- Kubota Tractor Financing — B, L, M, and MX series
- Massey Ferguson Tractor Financing — MF 4700–8700 series
- All Agricultural Equipment — Full category guide
CNC & Manufacturing
- CNC Machine Financing — Vertical & horizontal machining centers
- Laser Cutter Financing — Fiber and CO2 laser systems
- Injection Molding Machine Financing — Arburg, Engel, Haitian, Husky
- Haas CNC Financing — VF series, ST lathes, UMC 5-axis
- All Manufacturing Equipment — Full category guide
Forestry & Tree Service
- Wood Chipper Financing — Vermeer, Morbark, Bandit
- Stump Grinder Financing — Vermeer, Carlton, Bandit
- All Forestry Equipment — Full forestry and tree service guide
- Vermeer Equipment Financing — Chippers, grinders, trenchers, HDD
- Morbark Equipment Financing — Chippers, tub grinders, whole tree chippers
- Fecon Equipment Financing — Bull Hog mulchers, forestry attachments
Forklifts & Material Handling
- Forklift Financing — Counterbalance, reach trucks, order pickers
- Toyota Forklift Financing — 8FBE, 8FGU, 8-Series
- Crown Forklift Financing — FC, RC, SC, RR series
- Hyster-Yale Forklift Financing — H-Series, J-Series, big trucks
- Warehouse & Material Handling — Conveyor, AGV, racking, automation
Medical & Dental
- MRI Machine Financing — 1.5T, 3T, open MRI systems
- Medical & Dental Equipment Financing — Full category guide
- GE Healthcare Equipment Financing — MRI, CT, ultrasound, X-ray
- Siemens Healthineers Financing — MAGNETOM, SOMATOM, Artis
HVAC & Mechanical
- HVAC Equipment Financing — Commercial chillers, RTUs, VRF systems
- Carrier HVAC Financing — AquaForce, WeatherMaker, 19XR
- Trane HVAC Financing — CenTraVac, Tracer, IntelliPak
Fitness & Wellness
Laundry & Car Wash
- Laundry Equipment Financing — Speed Queen, Dexter, Maytag Commercial
- Car Wash Equipment Financing — Tunnel, touchless, in-bay automatic
Food & Restaurant
- Restaurant Equipment Financing — Commercial kitchen, coolers, fryers
- Food Processing Equipment Financing — Industrial processing, packaging, filling
Printing & Signage
- Printing & Signage Equipment Financing — Offset, digital, UV, screen print
- Wide Format Printer Financing — HP Latex, Epson, Roland, Mimaki
Oil & Gas / Mining
- Oil & Gas Equipment Financing — Drilling, production, pipeline equipment
- Mining Equipment Financing — Haul trucks, drills, loaders, crushers
Data Center & Technology
Brand Comparisons
- Caterpillar vs. Komatsu Excavators
- XCMG vs. SANY vs. Caterpillar
- John Deere vs. Case IH Tractors
- Haas vs. Mazak vs. DMG Mori CNC
- Bobcat vs. Caterpillar Skid Steer
- Toyota vs. Crown vs. Hyster Forklifts
- American vs. Asian Equipment Financing
Auto Repair & Body Shop
- Auto Repair Shop Equipment — Vehicle lifts, alignment, diagnostics
- Vehicle Lifts — 2-post, 4-post, mid-rise (BendPak, Rotary, Challenger)
- Wheel Alignment Systems — Hunter Engineering, Snap-on/John Bean
- Wheel Balancers & Tire Changers — Coats, Corghi, Hunter
- Paint Booths — Global Finishing Solutions, Blowtherm
- Frame Straightening Equipment — Car-O-Liner, Chief Automotive
- Vehicle Diagnostic Scanners — Snap-on ZEUS, Autel MaxiSYS
3D Printing & Additive Manufacturing
- 3D Printing Equipment — Desktop FDM to industrial metal DMLS
- FDM Printers — Stratasys, Markforged, Ultimaker, Bambu Lab
- SLA/DLP Resin Printers — Formlabs Form series
- SLS Powder Printers — EOS P-series, Formlabs Fuse
- Metal DMLS/SLM Printers — EOS M-series, Trumpf TruPrint, SLM Solutions
- Binder Jetting Systems — Desktop Metal Production
- Continuous Fiber Composites — Markforged X7, FX20
ATM & Vending Machines
- ATM & Vending Machine Equipment — Passive income equipment
- Freestanding ATMs — Hyosung Halo II, Genmega, Triton
- Through-Wall ATMs — Hyosung MX5300CE, Triton RL5000
- Bank-Grade ATMs — Diebold Nixdorf DN Series, NCR SelfServ
- Snack Vending Machines — Crane GPL, AMS Sensit III
- Cold Beverage Vending — Crane BevMax, Dixie-Narco
- Combo Vending Machines — Crane Media 6, Seaga HY900
- Cashless Payment Retrofit — Nayax, USAT ePort
EV Charging & Solar Energy
- EV Charging & Solar Equipment — 30% ITC tax credit eligible
- Level 2 AC Charging Stations — ChargePoint, Blink, Leviton, Webasto
- DC Fast Chargers 50kW — ABB Terra 54, Tritium RT50, ChargePoint CPE250
- DC Fast Chargers 150–350kW — ABB Terra 360, ChargePoint CPE300
- Commercial Solar Panels — SunPower, First Solar, Qcells US
- String Inverters — SMA Solar, Fronius, ABB/FIMER
- Battery Storage Systems — Tesla Powerpack, LG Chem RESU, Enphase
Salon, Spa & Tanning
- Salon, Spa & Tanning Equipment — From chairs to laser systems
- Styling Chairs — Takara Belmont, Pibbs, Collins
- Tanning Beds (lay-down) — Ergoline, KBL, Wolff System
- Tanning Booths (standup) — Ergoline Prestige, KBL 8800
- Laser Hair Removal Systems — Candela GentleMax Pro, Lumenis LightSheer
- IPL & Multi-Application Systems — Lumenis Stellar M22
- Body Contouring Equipment — Allergan CoolSculpting, InMode
- RF Skin Tightening — Solta Thermage FLX, Cutera
Directional Drilling (HDD)
- Horizontal Directional Drilling Equipment — Fiber & utility installation
- Mini HDD (under 20,000 lb) — Vermeer D7x11/D10x15, Ditch Witch JT9
- Mid-Size HDD (20,000–60,000 lb) — Vermeer D40x55, Ditch Witch JT30
- Large HDD (60,000–200,000 lb) — Vermeer D100x140, Ditch Witch JT100
- Maxi HDD (200,000+ lb) — Vermeer D220x300, D500x500
- Mud Mixing Systems — Vermeer MX240, Ditch Witch FM75
Concrete Equipment
- Concrete Equipment — Pumps, batch plants, ready-mix trucks
- Concrete Boom Pumps 28–42m — Putzmeister BSF, Schwing S-series
- Concrete Boom Pumps 52m+ — Putzmeister BSF 52/63, Schwing S 52/61
- Concrete Line/Trailer Pumps — Alliance, Schwing KVM
- Stationary Batch Plants — Liebherr Betomix, Rex RexBatch
- Mobile Batch Plants — Liebherr Mobilmix
- Ready-Mix Truck Bodies — McNeilus, London Machinery
Industrial Robotics & Automation
- Industrial Robotics & Automation — Cobots to complete automation cells
- Collaborative Robots (Cobots) — Universal Robots UR-series, Fanuc CRX
- 6-Axis Industrial Robots — Fanuc M-series, KUKA KR, ABB IRB, Yaskawa GP
- Robotic Welding Cells — Complete turnkey systems
- Robotic Palletizing Systems — Fanuc M-410, ABB IRB 660
- CNC Machine Tending Cells — Lights-out machining automation
- Pick-and-Place Systems — Assembly automation
Financing Guides
Top Manufacturers
Major Equipment Manufacturers and Financing
The manufacturers below cover the broadest range of commercial equipment categories. Each has dedicated guides on Equipment Finance Hub covering model-specific pricing, monthly payments, and financing options.
🇺🇸 USA
Caterpillar
The world's largest construction equipment manufacturer. Excavators, bulldozers, wheel loaders, skid steers, cranes. equipment lenders offers OEM programs. Exceptional US resale values and dealer network coverage.
🇯🇵 Japan
Komatsu
Second-largest construction equipment manufacturer globally. Excavators, dozers, loaders, mining equipment. equipment lenders provides OEM programs. Comparable resale values to Caterpillar.
🇺🇸 USA
John Deere
Dominant in agricultural and construction equipment. Tractors, combines, excavators, skid steers. equipment lenders is startup-friendly with seasonal payment programs for agricultural buyers.
🇺🇸 USA
Haas Automation
Largest US-based CNC machine tool builder. VF vertical mills, ST turning centers, UMC 5-axis. Haas dealer financing available. Strong resale market makes Haas machines among the most financeable CNC equipment.
🇺🇸 USA
GE Healthcare
Global leader in medical imaging equipment — MRI systems, CT scanners, ultrasound, X-ray. equipment lenders Financial Services provides specialized medical equipment financing with long terms and deferred payment options.
🇯🇵 Japan
Toyota Industries
World's largest forklift manufacturer. Toyota forklifts dominate warehouse and distribution — known for reliability and strong resale values. Toyota Financial Services provides OEM financing programs.
🇺🇸 USA
Vermeer
Iowa-based manufacturer of tree service, forestry, trenching, and horizontal directional drilling equipment. equipment lenders provides OEM programs. Strong brand recognition with tree service contractors.
🇨🇳 China
XCMG
China's largest construction equipment manufacturer. Excavators, cranes, road machinery at 30-50% lower prices than Cat/Komatsu. Financing requires specialty lenders and higher down payments. Growing US dealer presence.
Equipment Financing
0% Down Available on All Brands
Axiant Partners finances all major equipment brands — Caterpillar, Komatsu, John Deere, XCMG, SANY, and 200+ more. 0% down available for qualified borrowers regardless of brand. Terms 36–84 months.
- ✓ 0% down for qualified borrowers
- ✓ All brands including XCMG and SANY
- ✓ New and used equipment
- ✓ Startups and established businesses
- ✓ Decision in 24–48 hours
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Common Questions
Commercial Equipment Financing — FAQ
What types of commercial equipment can be financed?
Virtually any type of commercial or business equipment can be financed, including construction machinery (excavators, bulldozers, cranes), agricultural equipment (tractors, combines, planters), CNC and manufacturing equipment, medical and dental equipment (MRI machines, CT scanners, dental chairs), forklifts and warehouse equipment, HVAC and mechanical systems, forestry and tree service equipment, restaurant and food service equipment, fitness equipment, laundry equipment, car wash systems, printing and signage equipment, oil and gas equipment, mining equipment, and data center infrastructure. As long as the equipment is used primarily for business purposes and has a quantifiable value, it can generally be financed. The key variables that affect financing terms are the equipment's resale value, the borrower's credit profile, and the lender's familiarity with that equipment category.
How does equipment financing work for very large purchases over $1 million?
Equipment purchases over $1 million are typically handled by equipment manufacturers' captive finance arms (equipment lenders, equipment lenders, equipment lenders), large bank equipment finance divisions (Wells Fargo Equipment Finance, US Bank), or specialized large-ticket equipment finance companies. These transactions require formal financial statements (audited or reviewed), 2-3 years of business tax returns, detailed equipment appraisals or dealer quotes, and documentation of the business's debt service capacity. Terms can extend to 84-120 months for very large purchases. The Section 179 deduction is capped at $1,220,000 in 2024, so purchases above this amount require bonus depreciation for additional first-year tax deductions. Working with an equipment financing broker who specializes in large-ticket transactions is often valuable for purchases above $500,000.
What is the minimum equipment purchase amount that lenders will finance?
Most equipment lenders have a practical minimum of $5,000-$10,000 per transaction. Some specialty lenders work with amounts as low as $2,500, but micro-ticket transactions often carry higher interest rates to offset fixed underwriting costs. For equipment purchases under $25,000, alternative lenders and online platforms typically offer the fastest and most accessible programs. Some business credit card programs allow smaller equipment purchases with deferred interest periods. For most commercial equipment that businesses typically finance — excavators, tractors, CNC machines, forklifts — amounts are well above typical lender minimums, generally starting at $25,000-$50,000 for useful commercial-grade equipment.
Can I finance multiple pieces of equipment in one application?
Yes. Many equipment lenders offer blanket financing or equipment line-of-credit programs that allow you to finance multiple pieces of equipment under a single approval. This is particularly useful for businesses building out a fleet or equipping a new facility. OEM dealers often offer package deals with combined financing across multiple machines from the same brand. For mixed-brand or mixed-category equipment purchases, third-party equipment lenders and banks can structure master credit facilities. Some alternative lenders offer revolving equipment credit lines where approved businesses can draw financing for new purchases without reapplying each time. Bundling equipment purchases can simplify the application process and sometimes improve terms compared to multiple separate applications. Consult your lender about blanket financing options when purchasing two or more pieces of equipment simultaneously.
How long does it take to get equipment financing approved?
Equipment financing approval timelines vary significantly by lender type. Alternative online lenders (Balboa Capital, TimePayment, Currency Capital) often provide same-day or next-day decisions for amounts up to $250,000 with minimal documentation — sometimes as little as a one-page application and 3 months of bank statements. OEM captive finance programs (equipment lenders, equipment lenders) typically approve within 1-3 business days for standard applications through the dealer. Traditional bank equipment finance divisions require 1-3 weeks for standard applications and up to 30-45 days for large or complex transactions. SBA 7(a) loans typically take 30-60 days, and SBA 504 loans take 45-90 days due to the additional CDC (Certified Development Company) processing step. For time-sensitive purchases, starting with OEM or alternative lenders provides the fastest path to equipment.
Do I need a business plan to get equipment financing?
A formal business plan is generally not required for equipment financing unless you are applying for an SBA loan or seeking bank financing as a startup with minimal operating history. Most established businesses (2+ years, consistent revenue) only need to provide tax returns, bank statements, and a personal financial statement. Startups and very new businesses benefit significantly from including a concise business plan — particularly one that addresses how the equipment will generate revenue, who the customers are, expected pricing, and how equipment payments fit into projected cash flow. Even a 2-3 page executive summary can meaningfully improve a startup lender's confidence. For SBA loans, a more comprehensive business plan with financial projections spanning 2-3 years is typically required as part of the formal application package.
What is the difference between a captive OEM lender and a third-party lender?
A captive OEM lender is the financing arm of an equipment manufacturer — examples include equipment lenders (Caterpillar), equipment lenders, equipment lenders, equipment lenders, and equipment lenders. These lenders exclusively finance their own brand's equipment, but often offer competitive promotional rates (sometimes 0% APR), deferred payment programs, and streamlined approvals through the dealership network. They are incentivized to finance their equipment to support dealer sales volume. Third-party lenders — banks, alternative lenders, equipment leasing companies — are not affiliated with any specific manufacturer and can finance any brand of equipment. They offer more flexibility for multi-brand purchases, used equipment purchases from private parties, and scenarios where OEM programs are unavailable or uncompetitive. Most equipment buyers should obtain quotes from both the OEM program and third-party lenders before committing.
Can foreign-made equipment (Chinese, European) be financed the same way as US-made equipment?
European-made equipment (Liebherr, Volvo CE, Wirtgen, DMG Mori, Trumpf) generally finances comparably to American-made equipment. Major lenders are comfortable with European brands because they have established US dealer networks, predictable resale values, and strong parts and service availability. Chinese-made equipment (XCMG, SANY, Lonking, LGMG) faces more financing restrictions: most major banks decline to finance Chinese construction equipment, specialty lenders are required, down payments are typically 15-25% (vs. 10-15% for Cat/Komatsu), interest rates run 1-3% higher, and maximum terms are sometimes shorter. The primary reason is lower and less predictable US resale values and thinner parts networks. XCMG and SANY have been actively building US dealer networks and OEM financing programs, which is gradually improving their financing accessibility for qualified buyers.
Ready to Finance Your Commercial Equipment?
From a $25,000 mini excavator to a $2,000,000 medical imaging system, get matched with lenders who specialize in your equipment category and credit profile.
Informational resource only. Not an offer of credit or guarantee of approval. Terms vary by lender, equipment type, and borrower profile.