Equipment Financing: Capital for the Tools That Drive Your Business
Whether you need heavy machinery, manufacturing equipment, or commercial vehicles, PeerSense connects you with lenders who finance the equipment your business needs to operate and grow.
Equipment Financing by Deal Profile
Every deal is different. PeerSense matches your credit profile, equipment type, and deal size to the right lender — not the other way around.
Asset-Value Underwriting
For established operators with strong collateral, lenders may focus more on equipment value and deal structure than traditional credit metrics alone.
- Equipment quality drives approval
- Strong collateral can offset credit factors
- Structured for experienced operators
- Deal-specific underwriting approach
Mid‑Market Equipment
Standard A‑C credit profiles. Most industries covered. Lease and loan structures with faster approval than traditional bank equipment loans.
- Competitive rates for strong credit
- Faster than bank equipment loans
- New and used equipment
- Flexible term lengths
Challenged Credit & Recent Bankruptcy
C‑D credit lenders exist in PeerSense’s network. Recent bankruptcies may still qualify. Equipment serves as primary collateral — the asset matters more than the score.
- Recent bankruptcy may qualify
- Equipment as primary collateral
- Asset value drives approval
- Specialized lender network
Heavy Equipment: Construction, Transportation, Mining, Aircraft
Large‑ticket iron. Cash flow underwriting. Specialized lenders who understand asset values in construction, transportation, mining, and aviation sectors.
- Cash flow underwriting model
- Sector‑specialized lenders
- Complex deal structuring
- Fleet and multi‑asset financing
Industries We Finance
PeerSense has specialized equipment lenders for every equipment‑intensive sector. If it generates revenue, we can likely finance it.
Manufacturing
CNC machines, injection molding, packaging lines, robotics
Construction
Excavators, cranes, dozers, concrete equipment, scaffolding
Transportation
Class 8 trucks, trailers, fleet vehicles, refrigerated units
Healthcare
MRI, CT scanners, dental chairs, surgical equipment, lab systems
Agriculture
Tractors, harvesters, irrigation systems, grain storage
Logistics
Forklifts, conveyor systems, warehouse automation, pallet jacks
Food Processing
Commercial ovens, mixers, bottling lines, cold storage
Hospitality
Kitchen equipment, laundry systems, HVAC, furniture packages
Lease vs. Loan: Which Structure Fits?
The right structure depends on your tax situation, cash flow needs, and how long you plan to use the equipment. Here's a side-by-side breakdown.
Equipment Lease
Use the equipment without owning it
Equipment Loan
Own the equipment from day one
Equipment Lease
Not sure which is right? PeerSense can model both structures for your specific deal and show you the total cost of ownership comparison. No charge for the analysis.
Not sure which loan is right for you?
Take our 60-second quiz to get matched with the right program.
Explore Equipment Financing Options
Specialized equipment financing programs for different needs
Frequently Asked Questions
Need Equipment Financing? Let's Talk.
PeerSense connects you with equipment lenders who understand your industry and close quickly. One conversation. Direct introduction.