The right equipment can help your business take on more work, reduce downtime, and operate more efficiently — but paying the full cost upfront can put pressure on cash flow. Equipment financing gives businesses a way to spread the cost over time while putting machinery, heavy equipment, production equipment, agricultural equipment, and other business-critical assets to work sooner.
Equipment financing can help when:
Our Simple Process
Tell us what you're looking to finance — no heavy paperwork, no complicated requirements. Just a quick application to get the ball rolling.
Every business is different. We shop programs, compare approvals, and present the best options on your profile and the asset.
Finalize, fund, and move forward - simple as that. We help you get what you need without slowing down your operation.
Every approval is different. Available options may depend on the equipment type, business revenue, time in business, credit profile, cash flow, and overall deal strength.
Securing equipment financing through traditional banks can be time-consuming and discouraging — which is exactly why we’re here to make the process easier. Below are the common types of commercial equipment we can finance:
Don’t see your equipment listed? TrueCore Capital helps finance many types of revenue-producing commercial equipment, including machinery, heavy equipment, agricultural equipment, production equipment, material handling equipment, and other industry-specific tools.
Equipment Financing
• Helps spread the purchase cost over time instead of paying the full amount upfront.
• Common for machinery, heavy equipment, CNC machines, agricultural equipment, production equipment, forklifts, and other revenue-producing assets.
• Allows the equipment to support revenue while your business pays over time.
• Can help preserve cash for payroll, inventory, repairs, operating expenses, or future growth.
• Will help strengthen your business credit profile for future financing when payments are managed responsibly.
• Often makes sense for equipment your business expects to keep, maintain, and rely on for years.
Equipment Leasing
• Can help your business access equipment without committing to a full purchase upfront.
• May offer lower initial costs depending on the lease structure and program.
• Can be useful for equipment that may be upgraded, replaced, or cycled out more often.
• May help businesses owning equipment that could become outdated or less usefull over time.
• Lease terms and end-of-term options can vary depending on the equipment type, lender, and structure.
• Often makes sense when your business wants access to equipment now but does not necessarily need long-term ownership.
Apply in minutes and connect with a TrueCore Capital rep who will help you secure the best options for your business — with flexible terms, fast approvals, and no upfront costs.
*Soft pull only — applying will not impact your credit score.
With TrueCore, you get fast approvals and affordable financing for new or used equipment — built to support your business growth.
Yes. Startups and newer businesses still have equipment financing options depending on the equipment type, credit profile, down payment, industry, business plan, and overall deal strength.
Yes. Used machinery, heavy equipment, agricultural equipment, production equipment, and other commercial equipment can often be financed. Lenders may review the equipment’s age, condition, hours, seller, and resale value.
Credit requirements vary by lender and program. Stronger credit may create more options, but many approvals are based on the full picture, including equipment type, revenue, time in business, cash flow, and down payment. For challenged credit profiles, coming in with a down payment can help strengthen the file and may improve the chances of approval.
Pre-qualification can happen quickly with a soft pull that won’t impact your credit score, giving you a fast look at potential financing options. Full approvals are typically as quick as same-day — sometimes within a few hours — depending on how complete the file is.
Files with a completed application, invoice or quote, equipment details, seller information, and required business documents are usually easier to review quickly.
Yes. Getting pre-qualified before shopping can help you understand what financing options may be available and what budget range may make sense before you negotiate with a seller or dealer.
In many cases, yes. Private-party and auction purchases may be financeable, but lenders may need additional equipment details, seller information, invoices, photos, or inspection documents.
It depends on your business goals. Financing may be a better fit if you plan to own and use the equipment long-term, while leasing may make sense if flexibility, lower upfront cost, or future upgrades are more important.
Yes, when payments are managed responsibly and the financing account is reported appropriately, equipment financing will help strengthen your business credit profile for future purchases.
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