Get the machine. Keep your cash.

Finance trucks, machinery, medical and kitchen equipment, or borrow against assets you already own. The asset backs the deal, so approvals are easier and rates stay sharp.

Start your application Call (516) 268-2466

How it works

The equipment does the heavy lifting.

Because the equipment itself secures the financing, lenders take on less risk. That usually means better rates than an unsecured loan and approvals for businesses that are still young.

We can also structure financing against other assets you own, like vehicles, receivables or existing equipment, to raise working capital without a large down payment.

Collateral: The equipment being financed
New or used: Both, with age limits on some assets
Soft costs: Delivery and install can often be included
Approval: Often valid for about 60 days

Who it's for

Who qualifies, and how.

2+ years in business

Lowest down payments and the best rates.

Under 2 years in business

Still very financeable, usually with 10% to 20% down or a slightly higher rate.

Fair credit, good asset

The value of the equipment carries a lot of the weight.

Common uses

What owners use it for.

Trucks, trailers and fleet vehicles
Construction and manufacturing machinery
Medical, dental and lab equipment
Restaurant and commercial kitchen equipment
Borrowing against equipment you already own

Get approved first

Shop with an approval in hand.

Good equipment and good prices go fast. Getting pre-approved before you find the machine means you can move the moment it shows up, and negotiate like a cash buyer.

Talk to an advisor

	Equipment financing	Unsecured loan
Rates	7.5% – 12%	Usually higher
Collateral	The equipment	Personal guarantee
Approval for young businesses	Easier	Harder

Getting started

What you'll need.

Most applications take a few minutes. Have these ready and your file moves faster.

A quote or invoice from the seller
Your last 3 to 4 months of business bank statements
Business legal name, EIN and start date
Owner ID and basic contact details

Prefer to talk first?

Speak with an advisor about your numbers before you apply. No cost, no obligation.

Call (516) 268-2466

Or email info@peakstonecg.com

FAQs

Equipment & Asset-Backed, answered.

Can I finance used equipment?

Yes. Many lenders finance used equipment, with limits on age and condition for some assets like trucks.

Do I need a down payment?

Established businesses often put 0% to 10% down. Newer businesses typically put 10% to 20% down.

Can I include delivery and installation?

Often, yes. Many lenders let you roll those soft costs into the financing.

Should I lease or finance?

It depends on how long you will keep the equipment and how you want to handle taxes. We can lay out both and you can check with your accountant.

Not quite the right fit?

Tell us what the capital is for and we will point you to the structure that fits.

Ready when you are

See what your business qualifies for.

Start your application in a few minutes. One advisor will walk you through every option.

Apply Now Call (516) 268-2466