Equipment Financing Resources
Straightforward guides for business owners who are financing trucks, heavy equipment, and commercial machinery. They explain how financing works, what reviewers look for, and how to prepare so you can make decisions with clear information. Nothing here is an offer of credit; it is background to help you ask better questions.
Start here: the basics
- How equipment financing works: the full sequence from quote to funding
- Equipment loan vs. equipment lease: ownership, end-of-term options, and fit
- New vs. used: what makes sense for your business: ownership cost, warranty, and depreciation
- Equipment financing vs. paying cash: when each one wins
- How equipment financing can preserve working capital
Costs, payments, and terms
- How much does equipment financing cost?
- How to calculate equipment loan payments
- How long should an equipment financing term be?
- Understanding down payments and terms
- What drives your interest rate
- Matching payments to your revenue cycle
Qualifying and applying
- What credit score do you need for equipment financing?
- Financing with less-than-perfect credit
- What financing sources look for
- How to prepare a strong financing application
- Documents needed for equipment financing
- Business structure and financing eligibility
- How long the financing process takes
Guides by equipment and industry
- How to finance heavy equipment
- How to finance construction equipment
- Can you finance used construction equipment?
- How to finance a commercial truck
- What equipment qualifies for financing
- Working with your dealer
Guides by business type
Service pages
When you are ready to look at options for a specific need:
| Need | Page |
|---|---|
| Any commercial equipment | Commercial equipment financing |
| Trucks and fleets | Commercial truck financing |
| Heavy and contractor equipment | Construction equipment financing |
| Small and growing businesses | Equipment financing for small businesses |
| New or used purchases | New and used equipment financing |
| Quick answers | Equipment financing FAQ |
Financing disclaimer: This page is general and educational. Ashford Capital Group is not a lender in connection with this information. Nothing here is an offer, a commitment to provide financing, or a guarantee of approval. Financing is provided by third-party financing sources and is subject to their credit review and approval; availability, rates, terms, and down payment vary and depend on your business, the equipment, and the full application. Commercial (business-purpose) financing only, for California businesses.