Equipment Financing
Get the equipment you need without draining your capital.
Paying for equipment outright ties up cash that your business needs to operate. Equipment financing lets you acquire the machinery, technology, or vehicles your business depends on through manageable monthly payments – with little to no down payment, and full ownership once the loan is paid off.
$0
Down Payment Required in Many Cases
New + Used
Equipment Both Eligible
Full Ownership
Once the Loan Is Paid Off
Free Consultation
Tell us what you need. We'll find the right structure.
Cash Flow
Preserved - no large upfront cost
Any Equipment
New or used, any category
Full Ownership
Equipment is yours once paid off
High-Risk
Industries welcome
What Is It
Invest in your business's capacity without tying up capital.
Equipment financing is a loan structured specifically around the purchase of business equipment. The equipment itself serves as collateral, which means you do not need to pledge other assets, and approval is tied to the equipment’s value rather than credit history alone.
Instead of spending a large sum upfront, you make regular monthly payments over a set term. When the loan is paid off, the equipment belongs to your business outright. There is no complicated exit structure, no residual value dispute, and no lease renewal to negotiate.
Green Financial specializes in equipment financing for high-risk industries – cannabis, CBD, kratom, smoke shops, and others – that standard lenders often decline based on industry type alone.
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Manufacturing and Production
Machinery, processing equipment, assembly lines
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Commercial Vehicles
Delivery vans, trucks, fleet vehicles
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Technology and Computers
Servers, workstations, POS systems, networks
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Medical and Lab Equipment
Testing devices, laboratory tools, diagnostics
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Restaurant and Food Service
Commercial kitchen, refrigeration, food prep
Benefits
Nine reasons businesses choose equipment financing.
01
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Preserve Cash Flow
Acquire the tools and machinery your business needs without large upfront payments. Your working capital stays intact for daily operations, payroll, and inventory.
02
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Access to Essential Equipment
Get the latest technology and equipment your business needs to operate competitively - without waiting until you have the full purchase price saved up.
03
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Flexible Repayment Terms
Repayment is structured around your business's cash flow. Monthly installments over a term that fits your revenue cycle - not a rigid schedule that ignores how your business operates.
04
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Potential Tax Benefits
In many cases, the interest paid on equipment financing is tax-deductible. Depreciation deductions on the equipment may also be available. Consult your tax advisor for specifics.
05
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No Capital Tied Up
Instead of spending a lump sum on equipment, spread the cost over time. That capital stays available for other business needs - inventory, marketing, or covering operational gaps.
06
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Upgrade as You Grow
As your business scales, equipment financing makes it easier to upgrade to newer models or more capable technology. Refinancing or trade-in options can be explored before the loan term ends.
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Full Ownership at End of Term
Unlike leasing, equipment financing means you own the equipment outright once the loan is paid off. Long-term asset value added to your balance sheet with no residual payment required.
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Built for High-Risk Industries
Green Financial specializes in equipment financing for cannabis, CBD, kratom, smoke shops, and other high-risk sectors that traditional lenders consistently turn down based on industry type.
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Improve Operational Efficiency
The right equipment directly improves productivity and output. Better tools mean better performance, which compounds into stronger profitability over the life of the asset.
How It Works
From application to equipment in your hands.
A straightforward process – here is what happens after you contact us.
01
Tell Us What You Need
Share what equipment your business needs - type, age (new or used), and approximate value. We identify the right financing structure for your situation.
02
Application and Review
Submit a straightforward application. Approval is based primarily on the equipment's value, not just credit history - which results in higher approval rates for high-risk businesses.
03
Terms Agreed
We structure a loan with monthly payments and a term length matched to your business's cash flow. Competitive rates based on equipment value and business profile.
04
Equipment Acquired and Owned
Funds are released to purchase the equipment. You make monthly payments over the agreed term. Once fully paid, the equipment belongs to your business outright.
Your Options
Equipment financing, leasing, or buying outright - how they compare.
Understanding the three main approaches to acquiring business equipment helps you make the right call for your specific situation.
Equipment Financing
A loan where the equipment serves as collateral. You own the equipment at the end of the term. Combines cash flow preservation with long-term asset ownership.
Equipment Leasing
Pay to use equipment for a set period. At the end, you typically return it, renew the lease, or buy it at a residual value - which may or may not be favorable.
Buy Outright
Pay the full cost upfront. You own the equipment immediately, but that capital is no longer available for anything else - payroll, inventory, or operational needs.
FAQ
Equipment financing questions.
What is equipment financing?
What types of equipment can be financed?
Do I need a large down payment?
How does repayment work?
What are the advantages of financing over buying outright?
Is equipment financing available for high-risk industries?
Other Funding Options
Explore other ways to fund your business.
Equipment financing is one of six funding products Green Financial offers. If you need working capital rather than equipment-specific financing, one of these may fit better.
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Unsecured Line of Credit
No collateral needed. Revolving access to capital based on creditworthiness.
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AR Financing
Turn unpaid invoices into working capital - get 70-85% of invoice value within 24-48 hours.
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Equipment Financing
Acquire equipment with little to no down payment. Own it when paid off.
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Merchant Cash Advance
Fast lump-sum capital repaid as a percentage of daily card sales.