Funding Solutions
Upgrade Your Equipment Without Draining Your Cash
The right equipment can double your output, win new contracts, and transform your margins. Finance it intelligently so you keep cash on hand for everything else.
Check Your EligibilityOverview
Equipment Financing
Equipment financing lets your business acquire the machinery, vehicles, technology, or tools it needs while preserving working capital for day-to-day operations. The equipment itself typically serves as collateral, which means qualification requirements are often more flexible than unsecured loans — and rates can be significantly better. Whether you're a contractor buying a new excavator, a restaurant upgrading its kitchen, or a tech company outfitting a data center, equipment financing structures the cost across the useful life of the asset.
Granton Hale Capital works with equipment vendors and dealers across every industry to streamline the financing process. We evaluate the revenue-generating potential of the equipment alongside your business fundamentals, which means we can approve deals that traditional banks might decline. A trucking company that needs a new rig to service a contract they've already signed is a fundamentally different risk profile than what a FICO score alone suggests.
Our equipment financing decisions are made within 6 hours, and we can fund the purchase in as little as 48 hours. We offer both equipment loans (you own the equipment from day one) and equipment leases (lower monthly payments with options to buy, upgrade, or return at the end of the term). We also finance used and refurbished equipment — not just new purchases.
Ideal For
Amount
$25K–$10M
Term
2–7 Years
- Construction and contracting companies acquiring heavy machinery
- Trucking and logistics companies expanding or replacing fleets
- Restaurants upgrading commercial kitchen equipment
- Manufacturing businesses adding production lines
- Medical and dental practices purchasing diagnostic equipment
- Any business where equipment directly generates revenue
Why Choose This Product
Key Benefits
Equipment as Collateral
Because the equipment secures the loan, qualification is often easier and rates are lower than unsecured financing. You don't need to pledge personal property or other business assets.
Preserve Working Capital
Instead of paying $300K cash for a CNC machine, spread the cost over 5 years at $5,800/month while the machine generates $25K/month in new revenue. Your cash stays available for operations.
Tax Advantages (Section 179)
Businesses can often deduct the full purchase price of financed equipment in the year of acquisition under Section 179, potentially saving tens of thousands in taxes. Consult your accountant for specifics.
New and Used Equipment Eligible
We finance new, used, and refurbished equipment from any vendor or dealer. We also offer sale-leaseback arrangements if you already own equipment and want to unlock the equity tied up in it.
The Challenge
Problems This Solves
Aging Equipment Reducing Productivity
A machine that breaks down monthly doesn't just cost repair bills — it costs you the jobs you can't complete, the clients who switch to a competitor with better reliability, and the overtime you pay employees waiting for equipment to come back online.
Contract Requirements Exceeding Capacity
You've won a major contract or a new customer, but fulfilling it requires equipment you don't currently own. Buying outright would wipe out your cash reserves, but losing the contract isn't an option either.
Competitor Advantage Through Better Equipment
Competitors with newer, faster, or more efficient equipment can bid lower, deliver faster, and produce higher-quality output. Delaying upgrades means gradually losing market position.
High Upfront Cost of Quality Equipment
The equipment that would transform your business costs $200K, $500K, or $2M. Most businesses don't have that sitting idle — and shouldn't tie up that much capital in a single asset even if they do.
Use Cases
How Businesses Use This Funding
Fleet Expansion for New Route
A trucking company finances $1.2M for 4 new Class 8 trucks after winning a dedicated freight contract with a national retailer. The contract revenue covers equipment payments within the first month.
Commercial Kitchen Upgrade
A growing restaurant chain finances $180K for commercial ovens, walk-in coolers, and prep equipment for their third location, avoiding the need to deplete cash reserves set aside for marketing the grand opening.
Construction Equipment for Government Contract
A general contractor finances a $450K excavator and $200K concrete pump to take on a county infrastructure project worth $3.2M over 18 months.
Medical Practice Diagnostic Equipment
An orthopedic practice finances a $320K MRI unit, enabling in-house imaging that increases per-patient revenue by $800 and eliminates the referral delays that were frustrating patients.
Manufacturing Scale-Up
A custom packaging manufacturer finances a $2.5M printing press to bring a previously outsourced process in-house, reducing per-unit costs by 35% and lead times from 3 weeks to 3 days.
Sale-Leaseback for Cash Injection
A landscaping company that owns $400K worth of equipment free and clear uses a sale-leaseback to unlock $300K in cash for a new division expansion while continuing to use the equipment daily.
FAQ
Frequently Asked Questions
Can I finance used or refurbished equipment?
Yes. We finance new, used, and refurbished equipment from any dealer, manufacturer, or private seller. For used equipment, we may require a third-party appraisal for items over $250K to confirm fair market value. The age and condition of the equipment will factor into the loan-to-value ratio and term length.
What's the difference between an equipment loan and an equipment lease?
With an equipment loan, you own the equipment from day one and build equity with each payment. With a lease, you make lower monthly payments and have options at the end of the term — purchase the equipment at fair market value, upgrade to newer equipment, or return it. Loans are better when you plan to keep equipment long-term; leases are better for technology that becomes obsolete or equipment you'll want to upgrade.
How much of the equipment cost can you finance?
We typically finance 80–100% of the equipment purchase price for new equipment and 70–90% for used equipment, depending on the asset type, age, and your business profile. Some programs require a 10–20% down payment, while others offer zero-down options for well-qualified borrowers.
Do you finance vehicles and fleet purchases?
Yes. We finance commercial vehicles including Class 8 trucks, delivery vans, box trucks, work trucks, trailers, and specialty vehicles. Fleet purchases of multiple vehicles can be bundled into a single financing arrangement with one payment.
What if the equipment breaks down before the loan is paid off?
You are responsible for the remaining balance even if the equipment fails. This is why we strongly recommend equipment warranties and insurance. For newer equipment, manufacturer warranties typically cover the first 2–3 years. We can also structure loans where the term does not exceed the expected useful life of the equipment.
Can I get financing for equipment I already own (sale-leaseback)?
Yes. A sale-leaseback allows you to sell equipment you own to a financing company and lease it back, unlocking the equity trapped in the asset while continuing to use it daily. This is popular with businesses that have invested heavily in equipment and need cash for expansion or operations.
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