For more than 40 years, Market Capital Lending has helped business owners fund the equipment that keeps their operations moving — part of the $375 million+ we've funded for our clients. We've financed everything from heavy machinery for contractors right here near Loganville to fleet and technology purchases for companies operating nationwide across 46 states. As a veteran-owned business, we bring the values that shaped us to every file: straight advice, relentless advocacy for your deal, and treatment that always puts you first. Below, here's everything you need to know about commercial equipment financing — and how we can help you get funded without draining your capital.
What is commercial equipment financing, in plain terms?
Every business runs on equipment — whether that's heavy machinery, medical devices, restaurant and commercial kitchen equipment, fleet vehicles, or technology infrastructure. Commercial equipment financing lets you acquire what you need to operate and grow without depleting working capital or tying up your credit lines. The loan is secured by the equipment itself, which means underwriting is often more straightforward than real estate-based commercial financing. You get the asset, the business keeps moving, and you repay over a structured term.
Because the collateral is built into the transaction, this is one of the more accessible forms of commercial lending — and one we can arrange for a wide range of businesses.
What can equipment financing fund?
We finance assets across industries and equipment types, including:
- Heavy machinery and construction equipment
- Medical and dental equipment
- Restaurant and commercial kitchen equipment
- Fleet vehicles and transportation assets
- Technology, manufacturing, and production equipment
- Agricultural equipment — and virtually any significant business asset with a clear useful life
If it's a real, working asset your business depends on, there's a strong chance we can structure financing for it.
Who equipment financing is for
Equipment financing is a strong fit if you're:
- A business owner acquiring equipment for an existing operation
- A company upgrading aging equipment to improve efficiency or capacity
- A startup or newer business that needs equipment but wants to preserve cash
- A business in growth mode that needs to scale its physical capabilities quickly
Typical borrowers come to us with credit around 680 or better — but because the equipment secures the loan, a solid business and a sound asset can open the door even when the profile isn't picture-perfect. Many owners pair an equipment purchase with an SBA loan or a business line of credit to fund a larger expansion.
Why business owners choose Market Capital Lending
We built this firm for the borrower who doesn't fit neatly into a big bank's box — the self-employed, the entrepreneur with write-offs that shrink their taxable income, the owner who was told "no" by the branch down the street. We both lend directly and broker through a network of 40–50 lenders across industries and equipment types, so we're not limited to a single bank's rulebook. If one lender passes, we know where else the deal can land.
We're also a veteran-owned, SBA-approved small business with 40+ years of combined experience and over $375 million funded — the kind of track record that matters when your financing is on the line. You work directly with people who understand commercial deals, move quickly, and treat a same-day answer as the standard, not the exception. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
How the process works
Equipment financing underwriting focuses on your business's financial health, the type and useful life of the equipment being purchased, and your ability to service the debt. Because the equipment serves as collateral, lenders are generally less focused on real estate holdings or complex property financials. We match your purchase to the right lender and financing structure, then guide the file through to funding. When you're ready, start your application — it takes just a few minutes to begin. If you'd rather talk it through first, contact our team and we'll walk you through your options.
Equipment financing in your market
While we fund deals in 46 states, most of our business comes from Georgia, Alabama, and Florida — and especially the communities within about an hour of our Loganville office. If you're searching close to home, see our page for commercial financing across Georgia, or review where we lend to confirm we cover your area.
Equipment Financing by Industry
Market Capital Lending can evaluate construction machinery, restaurant and commercial kitchen equipment, medical and dental devices, fleet vehicles, manufacturing systems, and other essential business assets. Pricing and term depend on the equipment's useful life, age, resale market, borrower credit, cash flow, and down payment. Equipment may be financed alone or included in a larger SBA acquisition or expansion.
Related: equipment financing rates, SBA 7(a) loans, SBA 504 loans, and restaurant financing.
Frequently asked questions
Do I need real estate or other collateral to get equipment financing?
No. The equipment you're purchasing serves as the collateral, so you don't need to pledge real estate. That's a big part of what makes equipment financing more accessible and its underwriting more straightforward than real estate-based commercial loans.
What kinds of equipment can you finance?
A wide range — heavy machinery and construction equipment, medical and dental equipment, restaurant and commercial kitchen equipment, fleet vehicles, technology and manufacturing equipment, and agricultural equipment. As a rule, any significant business asset with a clear useful life can typically be financed.
What credit score do I need?
Most borrowers we work with have credit around 680 or higher, but that's a guideline, not a hard cutoff. Because the equipment secures the loan, a strong business and a sound asset can support an approval even when the credit profile isn't perfect. The best way to know is to let us review your specific situation.
Can I get financing if a bank already turned me down?
Often, yes. A bank turndown usually reflects that one bank's criteria — not that your deal is unfundable. Because we lend directly and broker through 40–50 lenders, we can take a purchase a traditional bank passed on and find a lender whose guidelines fit it.
Can newer businesses or startups qualify?
They can. Startups and newer businesses that need equipment but want to preserve cash are good candidates, precisely because the asset itself anchors the loan. We'll structure the financing around the equipment and your business's ability to repay.
Do you only serve Georgia?
No — we arrange equipment financing in 46 states. Most of our clients are in Georgia, Alabama, and Florida, with a concentration in the metro-Atlanta and Loganville-area markets, but we're happy to help wherever your business is.