Equipment Financing: The Complete Guide
How equipment financing works, what may qualify and how to prepare.
- Loans, leases and covered assets
- Qualification factors
- A practical application path
Business financing resources
Guidance for better financing decisions.
Compare equipment structures, working capital, receivables, offers and merchant processing.
Equipment Lease vs. Loan
Compare ownership, cash needs, total cost and end-of-term choices.
- Lease and loan fundamentals
- Advantages and tradeoffs
- Decision questions
SBA Loans Explained
Compare SBA programs, general eligibility and the application process.
- 7(a), 504 and Microloan programs
- General eligibility
- Application and underwriting
How to Compare Equipment Financing Offers
Compare payments, fees, total obligation, payoff terms and collateral.
- Apples-to-apples calculations
- Contract terms that change cost
- The comparison checklist
Working Capital Financing Guide
Compare term loans and lines of credit for operating needs.
- Term loan versus line of credit
- Qualification factors
- Preparing an application
Invoice Factoring Guide
See how factoring turns eligible invoices into near-term cash.
- Advance and reserve mechanics
- Customer and invoice eligibility
- Process, fees and tradeoffs
Cash Discount vs. Traditional Credit Card Processing
Compare merchant-paid processing, cash discounts and surcharges.
- How each model handles card costs
- Cash discount versus surcharge
- Notice, network and state rules
FMV Lease vs. Finance Lease vs. EFA vs. Equipment Loan
Compare four structures by ownership, payments and flexibility.
- Ownership during and after the term
- Payment profile
- Best-fit uses and tax posture