Working Capital
About Us
Partner With Us

Find Fast Equipment Financing From Leading Lenders Nationwide

Every thriving business reaches a point where the ability to grow hinges on better tools or updated technology. Whether you’re upgrading to a cutting-edge dental imaging system, replacing your kitchen’s commercial oven, purchasing more fleet vehicles, or investing in new construction equipment, financing that purchase or leasing the equipment is often a smarter solution than paying upfront.

At Working Capital, we make it easy for you to compare the best equipment financing providers and loans for business equipment all in one place. We’re not a lender. Instead, we research financiers and connect you with top-rated equipment loan companies that offer fast approvals, minimal paperwork, and terms that align with your cash flow.

No more digging through dozens of lender sites. No more guesswork. Just trusted options, tailored for your business needs.

Recommended Equipment Financing Providers
Equipment Financing

Best Equipment Financing Providers

Americas Favorite
Cardiff Logo
Loan Amounts

$5,000 to $500,000

5.0
Working Capital
5.0
Working Capital
Apply Now

On Cardiff's Website

 Read our review
Recession Proof Capital

Recession Proof Capital

Loan Amounts

$5,000 to $500,000

5.0
Working Capital
5.0
Working Capital
Apply Now

On Recession Proof Capital's Website

 Read our review
BlueVine
BlueVine

BlueVine

Loan Amounts
$6,000 to $250,000
5.0
Working Capital
5.0
Working Capital
Learn More

On BlueVine's Website

Why Equipment Financing Makes Strategic Sense

Buying equipment outright can put unnecessary strain on your working capital. Draining your cash reserves limits your ability to invest in new opportunities or double down on profitable moves. It forces you to choose between growth and liquidity. The right small business equipment loan solves that problem.

Access Critical Tools Right Away

A broken commercial oven needs replacing the day before it breaks, not when your balance sheet says you have the money to do so. Commercial equipment financing enables you to seamlessly maintain daily operations, keeping customers coming and paying down your loan simultaneously.

Spread Payments Out With Fixed Monthly Installments

Predictable monthly installments make it easier to manage cash flow while still acquiring the tools you need to operate and grow. Equipment financing for dentists is an ideal way to furnish your practice with high-tech equipment that attracts patients.

Keep Cash on Hand For Payroll, Marketing, or Emergencies

By financing equipment instead of paying in full, you’re better positioned to respond to seasonal shifts, invest in revenue-driving initiatives, or maintain operations during a dip in sales.

Take Advantage of Tax Benefits Like Section 179 Deductions

Using financing for business equipment does not disqualify you from taking advantage of tax benefits. You can still likely write off the full cost of financed equipment in the same tax year, reducing your taxable income while retaining capital for other needs.

You don’t need to compromise your balance sheet to scale up, replace aging equipment, respond to an emergency breakdown, or invest in tools that improve productivity and revenue. Loans and leases from reputable equipment financing companies can bridge the financial gap and help you keep business as usual.

Equipment Loan Provider

What to Look for in an Equipment Loan Provider

Choosing the right lender means finding one that understands your business and cash flow cycle. You need one who will consider how you operate, not just your credit score. When you use Working Capital to compare lenders, you’ll be able to evaluate companies based on:
  • Approval Speed: Many offer same-day decisions and funding
  • Documentation Requirements: Some only ask for recent bank statements and a few business details
  • Collateral Policies: Most lenders use the equipment itself as collateral, so you don’t need to risk losing your building or inventory
  • Repayment Terms: Choose predictable schedules that align with your income cycle
  • Industry Experience: Find companies that understand your sector’s equipment needs and seasonality
Working Capital highlights only the top-rated providers with a proven track record of transparency, responsiveness, and fair terms. Top providers streamline the approval process to make equipment loans for small business expenses accessible. We can help you find a lender willing to provide capital for your next stage of growth.

How Working Capital Helps You Compare Lenders—Fast

We do the heavy lifting so you can focus on running your business. Here’s how it works:

1. Tell Us What You Need

Start with a quick form outlining your equipment needs, business type, and revenue details. You won’t spend hours filling out our application because we focus just on what matters.

2. Get Matched to Top Equipment Financing Companies

We filter through our curated network of vetted commercial equipment financing providers to match you with offers that fit your needs. We’ll show you lenders that work with companies like yours to make equipment purchases.

3. Compare Real Offers Side-by-Side

Our platform makes it easy for you to review and evaluate multiple equipment loan options. You get to decide what matters most to you, whether it’s the rate, term length, or approval time. We give you the power to decide for yourself.

4. Choose Your Lender and Get Funded

Select the best match for your business. The equipment financing company will coordinate the funding process, either by paying your vendor directly or issuing the funds for you to complete the purchase.

With Working Capital, you don’t waste time chasing offers that don’t fit.

Nationwide Lender Access to Industry-Specific Solutions

We help small businesses across the U.S. find the best equipment financing options available, regardless of geographical location or industry sector. From urban startups to rural service providers, our reviewed lenders are equipped to support your industry’s unique needs, including:
  • Healthcare
  • Retail and Hospitality
  • Construction and
  • Contracting
  • Automotive
  • Landscaping
A lender who specializes in equipment financing for doctors will understand the unique challenges of outfitting medical facilities with up-to-date equipment and the best ways to keep equipment current. We can connect you with those financing partners who understand the tools that power your success and how to finance them efficiently.
Nationwide Lender Access to Industry Specific Solutions

Why Business Owners Use Working Capital to Finance Equipment

You could spend hours sorting through lenders, applying individually, and comparing offers that don’t tell the whole story. Or, you could use Working Capital and get curated, side-by-side comparisons of loans for business equipment from top-rated providers in minutes.

Why do businesses choose us?

We're Unbiased

We don’t push one lender over another. Instead, we evaluate your business’s industry, revenue, credit profile, and funding goals to recommend equipment financing companies that align with your situation. Our network includes a wide range of financing providers, so we can connect you with options that offer the most competitive rates, terms, and approval likelihood for your needs.

We Simplify the Search

No jargon. No sales fluff. Just straightforward info you can act on. At Working Capital, every recommendation is based on facts, not a marketing spin, so you can make confident, informed decisions for your business.

We Prioritize Speed and Transparency

We respect your growth, whether you’re a startup or scaling your operation. And we connect you with equipment loans for small business that support your next phase. The lenders we review offer fast decisions, fair terms, and simple documentation.

The Capital Closeout

You don’t have to go it alone. At Working Capital, we streamline the search for the best equipment financing providers, helping you compare small business equipment loans and access the tools your business needs to thrive.

Start your search now. It takes just a few minutes to get matched with vetted lenders that fit your goals.

Find Your Equipment Loan Partner at Working Capital

Frequently Asked Questions

Yes, many equipment lenders reviewed by Working Capital finance both new and used equipment. Lenders typically look at the condition, resale value, and purpose of the equipment before approval. If the used equipment holds value and is essential to your operations, it’s usually eligible.

If your business uses commercial equipment, we can help you find a lender to match. Our reviewed lenders support a wide range of industries, including medical, dental, veterinary, retail, hospitality, construction, landscaping, and more.

Some lenders do check personal credit, while others prioritize business performance. If your business has steady revenue and healthy cash flow, you may qualify even with less-than-perfect credit. Working Capital helps you filter lenders based on what matters most in their approval process.

Speed varies by lender, but we focus on providers known for fast, reliable service. Most lenders offer approval in 24–48 hours and funding in one to three days. However, some lenders can release funds the same day, especially for returning or well-qualified borrowers.

Generally, the equipment you finance serves as the collateral, so you do not need to pledge additional assets. This protects your other business and personal property. It also simplifies the application process compared to traditional secured loans.

Yes, some lenders in our network specifically support early-stage businesses. If you’ve been operating for at least six months and show consistent revenue, or have a strong business plan, you may qualify. Working Capital can help you find lenders that accept newer businesses.

Yes, many businesses use Section 179 of the tax code to deduct the full purchase price of qualifying equipment. You can usually take this deduction even if you finance the equipment for the tax year you place it in service.

Yes, some equipment lenders offer both lease and purchase options. Leasing can reduce upfront costs and often includes flexible upgrade options. It’s a good fit for businesses that frequently update their equipment or want to keep monthly payments lower.

Loan amounts vary depending on your financials, equipment value, and the lender. Our partners offer financing from as little as $5,000 to well over $1 million. We can help you identify loan options based on your business size and equipment needs.Loan amounts vary depending on your financials, equipment value, and the lender. Our partners offer financing from as little as $5,000 to well over $1 million. We can help you identify loan options based on your business size and equipment needs.

Once you select a lender, you’ll complete their application directly, typically online. Depending on the structure of the financing, the lender will either send funds to your vendor or to you after approval. Most lenders also help facilitate the transaction to ensure timely delivery and payment.