Equipment Financing · Direct funding

Equipment financing for new and used equipment.

Trucks, machinery, kitchen and medical equipment, financed directly by Bylt Capital with fixed monthly payments over up to 10 years. Zero down for well-qualified businesses.

Amount$10K – $5M
Term12 – 120 mo
Rate4% – 30% APR
Funding~5 business days
The basics

What is equipment financing?

Equipment financing pays for the equipment your business needs, and the equipment itself secures the financing. You make fixed monthly payments over the term, so you keep your cash for operations.

We finance new and used equipment, with zero down for well-qualified businesses.

Example: $100,000 of equipment financed at 12% APR over 60 months is about $2,224 per month. Illustration only, not an offer.
Process

How it works

Apply online

One short application with a soft credit pull.

Send your quote

Upload the dealer's or seller's quote or invoice: the equipment, its price, and new or used.

Review and sign

See your rate, term and monthly payment in your portal, then sign online. Some files need a short funding call.

Get funded

Typically about 5 business days.

Is it right for you?

When it fits, and when it doesn't

A good fit if
  • The equipment earns or saves money for years
  • You'd rather keep cash in the business than pay up front
  • You want a fixed monthly payment you can plan around
Probably not the right fit if
  • The equipment will be outdated before it's paid off
  • You need working capital, not equipment (see a line of credit or cash advance)
  • The purchase is small enough to pay for comfortably from cash
Get ready

Requirements and documents

To qualify
  • At least 6 months in business
  • 600+ credit score
  • Steady deposits into a business bank account
Documents
  • Short online application
  • Last 3 full months of business bank statements plus month-to-date (or the last 4 full months), as PDFs from your bank
  • Driver license or state ID for each owner of 20% or more
  • Voided business check or bank letter
  • Equipment quote or invoice from the dealer or seller
How we work

Transparent, no-pressure funding, built in

Create an account, apply, review offers and accept, all without speaking to anyone. Some products need a short funding call. Want to talk through an offer or an underwriting question? Our funding desk is here when you want it.

No sales calls

Apply, compare offers and accept online. We don't call to push you into a deal.

Every number in writing

Your offer shows the amount, the total cost and the payment schedule before you sign anything.

Talk when you want to

Email team@byltcapitalsolutions.com or message your team from the portal to go over details or underwriting questions.

Free with Bylt Capital

The first funding platform to track all your advances and applications in one place

Bylt Capital is the first funding platform where business owners can apply for funding, track their advances across multiple lenders, request renewals, and follow every document and application status, all in one place. You don't have to apply for anything: create a free account and use it just to track your advances.

Every advance, every lender

Add advances from any funder and see balances and payoff progress for all of them on one dashboard.

Track-only accounts

No application needed. Sign up free and use the portal just to keep every advance organized.

Renewals on request

Request a renewal from the portal when you're ready. No waiting on a call back.

Applications and documents

Follow each application's status and see which documents are received, pending or still needed.

Offers side by side

Compare offers for every product you applied for, and accept the one that fits.

Secure by design

Passkey or authenticator sign-in, encrypted documents, and your full SSN never sent by email.

FAQ

Equipment Financing questions

Do you finance used equipment?

Yes. We finance both new and used equipment.

Is a down payment required?

Well-qualified businesses can finance with zero down. Your offer shows any down payment required.

How long does funding take?

Typically about 5 business days.

What can I finance?

Business equipment such as trucks and trailers, construction and manufacturing machinery, restaurant and kitchen equipment, and medical equipment, from $10,000 to $5,000,000.

What are the rates and terms?

Terms run from 12 to 120 months, with rates from 4% to 30% APR depending on your business, credit and the equipment.

Will applying affect my credit?

No. The application uses a soft credit pull, which doesn't affect your score.

Can I use Bylt Capital just to track my advances?

Yes. Create a free account and add advances from any funder, with no application required. You'll see balances and payoff progress for all of them on one dashboard.

Ranges and examples are indicative, not offers. All financing is subject to review and approval. See Disclosures.

Other ways to fund your business

See what your business qualifies for

One application, a soft credit pull and no obligation. You review every offer on your own time.