Zapital Finance

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Zapital Finance​

Your growth our mission​

Equipment Financing

Equipment financing is a type of business loan specifically designed to help businesses acquire new equipment or machinery. Instead of paying for the equipment upfront, businesses can obtain financing to cover the cost, which is then repaid over time, typically through monthly installments. The equipment itself serves as collateral for the loan, reducing the lender's risk and potentially resulting in more favorable loan terms. Equipment financing allows businesses to acquire the necessary assets to operate or expand without depleting their cash reserves, enabling them to preserve capital and maintain liquidity for other expenses.

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Financing amount available

$5,000 - $800,000

Get funded in as fast as

24 hours

How It Works

Apply Online

Fill out a 5 minutes simple application form by clicking on apply now button.

Quick Approval

Get approval within next 1 hour and get to talk with our experienced funding specialist.

Funding In 24 Hours

Get your funds quickly within 24 hours after approval and start growing your business.

Power up your business

With a Zapital Finance Working Capital loan you can access:

  • Business financing from $25,000 to $600,000
  • Terms from 6-24 months
  • Factor rates as low as 1.11*
  • Automatic daily or weekly payments

Requirements to qualify

While requirements for a working capital loan may vary, your business will generally need:

  • To be operating in the United States
  • 6+ months time in business
  • $15,000+ in monthly revenue**
  • To deposit revenue in a business bank account
  • A credit score of 500+

The requirements for equipment financing can vary depending on the lender and the specific terms of the financing arrangement. However, common requirements may include

Credit Score

Lenders typically consider the borrower's creditworthiness when evaluating equipment financing applications. A higher credit score may result in more favorable loan terms.

Time in Business

Lenders may prefer businesses that have been operating for a certain period, such as one to two years, to demonstrate stability and reliability.

Financial Stability

Lenders may assess the borrower's financial health, including revenue, cash flow, and profitability, to ensure they can afford the equipment financing payments.

Equipment Details

Borrowers may need to provide details about the equipment they intend to purchase, including its type, cost, and intended use.

Down Payment

Some lenders may require a down payment or a percentage of the equipment's purchase price to secure the financing.

Collateral

The equipment itself often serves as collateral for the loan, reducing the lender's risk. However, additional collateral may be required in some cases.

Business Plan

While not always required, having a clear business plan outlining how the equipment will benefit the business and contribute to its growth may strengthen the financing application.

Legal Documentation

Borrowers may need to provide legal documents, such as business licenses, tax returns, and identification, to verify their business's legitimacy and ownership.

It's essential to review the specific requirements of each lender offering equipment financing and ensure that you meet their eligibility criteria before applying. Working with a financial advisor or loan specialist can also help you navigate the application process and improve your chances of approval.

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Why work with Zapital finance for a merchant cash advances?

  • Speed: Our streamlined application process and fast approvals mean you can access funds when you need them most—often within 24–48 hours.
  • Flexibility: We understand that no two businesses are alike. That’s why our programs are customized to fit your needs.
  • Transparency: No hidden fees, no surprises. We value clear, straightforward communication.
  • Support: We don’t just provide funds—we provide ongoing guidance and financial insights to help your business grow sustainably.

Frequently Asked Questions

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Equipment financing options that can help businesses expand include:

  1. Equipment Loans: Provide lump sum for equipment purchase with fixed repayment terms.
  2. Equipment Leasing: Allows use of equipment for a set period with regular lease payments.
  3. Equipment Sale-Leaseback: Sell owned equipment to a lender and lease it back for immediate cash.
  4. Vendor Financing: Equipment suppliers offer financing options directly to customers.
  5. Equipment Line of Credit: Provides flexible funds specifically for equipment purchases.
  6. SBA Equipment Loans: Small Business Administration offers loans tailored for equipment purchases, often with favorable terms.

Each option offers unique advantages, and businesses should choose based on their specific needs and financial goals.

In what ways might financing for equipment aid in business expansion?

How simple is it to finance equipment purchases?

Get in Touch

Have questions or ready to get started? Call us at 646-397-4921 and speak directly with one of our funding specialists. Or, take the next step right now—complete your application online by clicking the button below

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