What Is Equipment Financing and How It Helps Small Businesses Grow

What Is Equipment Financing?

Equipment financing allows businesses to purchase new or used equipment without paying the full cost upfront. Instead, companies make manageable monthly payments while generating revenue from that equipment.

Industries That Rely on Equipment Financing

From construction and agriculture to healthcare, technology, retail, and transportation, almost every industry depends on financing to keep operations running smoothly.

Why Equipment Financing Beats a Traditional Cash Loan

Unlike banks, which often limit loan terms and rarely finance used equipment, equipment financing offers:

• Longer terms (up to 60 months)

• 100% financing options

• The ability to finance new, used, or refurbished equipment (with warranties)

• 
  

Benefits of Equipment Financing for Small Businesses

• Preserve cash flow for daily operations

• Start generating revenue faster

• Access equipment that fits your business needs

• Simple, fast approval process (12–24 hours)

• 
  

How to Qualify for Equipment Financing

If your business has been operating for at least three months with $5K–$10K in monthly revenue and a business checking account, you may qualify. Approval is often faster and less restrictive than traditional banks.

Partner With Vista Lending Services

At Vista Lending Services, a proud partner of ROK Financial, we make the financing process simple and personalized. We’re here to empower your business with smarter funding solutions.

👉 Ready to explore your options? Contact us today to get started!