Commercial Equipment Financing
Growth doesn't wait. Neither does your financing.
🛡️ Soft pull only — won't affect your credit score
No hard credit pull. No upfront fees. One dedicated advisor handles your deal from application to funding. All credit profiles considered with the right conditions. Trucks, machinery, agricultural, medical, construction and more — funded fast.
- ✓$25K – $5M available
- ✓Funded in 2–5 days
- ✓All credit profiles
- ✓No upfront fees
- ✓Early payoff — no penalties
- ✓California-based, nationwide
$100K
Range: $75K – $250K
What We Finance
If your business uses it, we can finance it.
From a single semi truck to a full fleet of excavators — equipment loans and leases from $25,000 to $5,000,000 across every commercial vertical, new or used, dealer or private party.
Commercial Trucks
Box trucks, semis, dump trucks, vans, trailers.
Construction & Heavy
Excavators, loaders, cranes, bulldozers, forklifts.
Agricultural
Tractors, harvesters, irrigation, farm vehicles.
Medical & Dental
Imaging, dental chairs, surgical tools, lasers.
Welding & Fabrication
MIG, TIG, plasma cutters, press brakes, ironworkers.
Manufacturing
CNC, lathes, presses, injection molding, industrial.
Commercial Landscaping
Zero-turn mowers, trailers, grounds equipment.
Refinance & Cash Out
Pull equity from equipment you already own.
Specialty Programs
Explore by vertical
Construction & Heavy Equipment
Excavators, loaders, dozers, cranes, forklifts, skid steers.
Explore program
Agricultural & Farm Equipment
Tractors, harvesters, irrigation, livestock trailers, farm vehicles.
Explore program
Commercial Trucks & Vehicles
Class 8 sleepers, day cabs, box trucks, dump trucks and trailers.
Explore program
Medical & Dental Equipment
Imaging, CBCT, dental chairs, surgical lasers, diagnostic equipment.
Explore programWho Qualifies
Every credit profile has a path
Northwood has financing programs across the full credit spectrum. No matter where you're starting, there's a program designed for your situation — as long as your business has the track record to support it.
Subprime
Below 620- ✓10% down minimum
- ✓2+ years in business
- ✓3 months bank statements
- ✓$25K minimum equipment
- ✓Strong revenue helps
Lender options are limited at this tier — strong down payment and seasoning are essential.
Near Prime
621 – 659- ✓0% down options available
- ✓1+ year in business
- ✓3 months bank statements
- ✓$25K minimum equipment
- ✓Multiple programs available
Solid options. Consistent revenue and time in business drive approval.
Prime
660 – 699- ✓Standard approval process
- ✓0% down options available
- ✓1+ year in business
- ✓3 months bank statements
- ✓Strong program selection
Straightforward approvals with strong terms across most industries.
Preferred
700+- ✓Best available terms
- ✓0% down options
- ✓Fastest approvals
- ✓Startups considered
- ✓Full program access
Top-tier pricing and fastest decisions, including startups.
How Northwood structures equipment financing
We offer both equipment loans and equipment leases (FMV, $1 buyout and TRAC) with terms from 24 to 84 months. Application-only programs cover transactions up to $250,000 with two pages of documentation. Larger deals use a full financial package and close within a week of approval.
For California businesses, we keep underwriters in-state who understand local industries — Central Valley agriculture, Bay Area construction, Inland Empire logistics — so deals close faster and with fewer stipulations.
Payment Estimator
Estimate your monthly payment
See what your equipment financing could look like. No hard credit pull, no obligation — just a quick estimate to help you plan. Financing can also cover freight, installation, tax, and delivery.
$100,000
Estimated Monthly Payment
$1,955
per month for 72 months
Estimated payment based on program averages. Your actual payment and terms depend on credit profile, time in business, equipment type, and down payment. Your Northwood advisor will present your actual approval terms at no cost.
Get My Actual Rate →This calculator provides estimates only. Not an offer to lend. Actual terms subject to credit approval.
Frequently asked questions
- What types of equipment can be financed?
- Northwood finances virtually any business-use equipment — construction machinery, agricultural tractors and implements, commercial trucks and trailers, medical and dental equipment, restaurant and manufacturing equipment, and most titled or serial-numbered assets used to generate revenue.
- What is the minimum equipment financing amount?
- Our minimum equipment financing amount is $25,000, with no fixed ceiling — we routinely fund single-asset and fleet transactions up to $5,000,000.
- Can I finance equipment with bad credit?
- Yes. We approve equipment financing for credit scores down to 500. Our application-only program goes to $250,000 with limited documentation, and our story-credit programs accept past bankruptcies and tax liens when the deal is otherwise sound.
- Do you offer equipment financing for ITIN borrowers?
- Yes. Northwood funds ITIN business owners across all equipment categories. Typical requirements are six months of business operating history, valid ITIN, and proof of revenue or contracts supporting the equipment purchase.
- How long does equipment financing approval take?
- Application-only deals under $250,000 are typically approved the same day. Full-documentation transactions over $250,000 are usually decisioned within 48 hours, and funded within 3–5 business days of signed documents.
Financing for your next piece of equipment.
Application-only decision in hours — up to $250K with no financials required.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties