Equipment
Financing
Let us help you get the tools & machinery you need. With Clear Skies Capital, you can access fast, flexible equipment financing, tailored for your organization’s growth and cash flow needs. Whether you need heavy machinery or smaller assets, our solutions are built to work for you.
Secure the Funds You Need for Your Business Growth
What is Equipment Financing &
How Do You Apply for It?
Equipment financing is a loan or lease that lets businesses acquire equipment without paying the full cost upfront. You receive the equipment now, repay over time, and once the payments are complete, you own it.
Easy Application Process
Fast Approval Process
Flexible Repayment
Customized repayment plansto meet your needs.
Quick Funding
of approval!
How Does Equipment Financing Work?
An equipment financing loan allows you to spread the cost of purchasing machinery, vehicles, or technology over a fixed term.
- The equipment itself often secures the loan
- Flexible repayment schedules fit your budget
- You own the equipment once the loan is paid off
Heavy Equipment Financing for Growing Businesses
Industries like construction, manufacturing, agriculture, and transportation rely on costly machinery. Our heavy equipment financing helps you acquire:
- Excavators, bulldozers, and cranes
- Commercial trucks and trailers
- Agricultural and farming machinery
- Industrial and manufacturing equipment
Equipment Financing Loan vs. Leasing: Key Differences
| Feature | Equipment Financing Loan | Leasing / Rental |
|---|---|---|
| Ownership | You own the asset after final payment | Lessor retains ownership |
| Long-term cost | Often lower, with resale value retained | Lower monthly cost, but no asset at end |
| Flexibility | Ability to modify or sell | Upgrade more frequently |
| Balance Sheet Impact | Asset + liability recorded | Often off-balance sheet (depends on type) |
Why Choose Equipment Financing Over Paying Cash?
- Preserve working capital for payroll & operations
- Tax benefits: potential write-offs on interest & depreciation
- Access new equipment quickly without waiting for savings
- Equipment itself secures the loan — no extra collateral needed
Who Is Eligible to Apply?
- 6+ months in operation
- $15,000+ monthly revenue
- A reasonable credit score (600+)
- Equipment quote or invoice
Even if you don’t meet all criteria, we’ll work with you to find a financing solution.
How Much Can I Get with Equipment Financing?
We finance between $5,000 and $1.5 million depending on:
- Type & cost of equipment
- Business revenue and credit profile
- Loan term length
Quick and Flexible Financing for Construction & Heavy Equipment
We understand the unique demands of heavy-duty industries. Our heavy equipment financing offers:
- Longer terms to match asset life
- Seasonal or deferred payment options
- Coverage for delivery, installation, and setup
What If Equipment Financing Isn’t Right for Me?
Not sure if an equipment financing loan is the best fit? Explore:
- Business Term Loans
- SBA Loans
- Business Lines of Credit
- Leasing or vendor financing options
Frequently Asked Questions (FAQ)
Q1. What credit score do I need for equipment financing?
Most approvals start around a 600 credit score, but factors like revenue and business history also play a role.
Q2. Can startups apply for equipment financing?
Yes, we provide financing for startups with solid revenue potential or alternative documentation.
Q3. Is heavy equipment financing different from regular equipment loans?
Yes, heavy equipment financing often involves larger amounts, longer terms, and may include seasonal payment plans.
Q4. How fast can I get funding?
In many cases, businesses receive approval within 4 hours and funding within 24–48 hours.
Q5. What types of equipment qualify?
We finance a wide range — construction, manufacturing, agricultural, transportation, medical, and office equipment.
Apply for Financing
Ready to upgrade your equipment without the upfront cost? Apply today for equipment financing with Clear Skies Capital.
📞 Call (800) 230-9822 or click below to start your application.