SBA 504, conventional, and lease options from $100K to $25M+
Equipment financing covers 80-100% of equipment cost with the asset itself as collateral. SBA 504 offers the lowest rates with fee waivers for manufacturers (NAICS 31-33). Terms from 3-25 years depending on equipment useful life. No additional real estate collateral required for most programs.
Written by Ed Freeman, Capital Advisory — PeerSense. Updated March 2026.
2026 Market Data
Every deal is different. PeerSense matches your credit profile, equipment type, and deal size to the right lender — not the other way around.
For established operators with strong collateral, lenders may focus more on equipment value and deal structure than traditional credit metrics alone.
Standard A‑C credit profiles. Most industries covered. Lease and loan structures with faster approval than traditional bank equipment loans.
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.
Large‑ticket iron. Cash flow underwriting. Specialized lenders who understand asset values in construction, transportation, mining, and aviation sectors.
PeerSense has specialized equipment lenders for every equipment‑intensive sector. If it generates revenue, we can likely finance it.
CNC machines, injection molding, packaging lines, robotics
Excavators, cranes, dozers, concrete equipment, scaffolding
Class 8 trucks, trailers, fleet vehicles, refrigerated units
MRI, CT scanners, dental chairs, surgical equipment, lab systems
Tractors, harvesters, irrigation systems, grain storage
Forklifts, conveyor systems, warehouse automation, pallet jacks
Commercial ovens, mixers, bottling lines, cold storage
Kitchen equipment, laundry systems, HVAC, furniture packages
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.
Use the equipment without owning it
Own the equipment from day one
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.
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Specialized equipment financing programs for different needs
PeerSense connects you with equipment lenders who understand your industry and close quickly. One conversation. Direct introduction.