Get the Equipment You Need - Without Delaying Your Project.
Power Your Operations with the Right Tools
Secure funding for new or used equipment with straightforward terms and rapid approvals, keeping your projects on track. Whether you’re upgrading a fleet or financing a single machine, Republic Equipment Capital offers tailored equipment financing for businesses across various industries. Unlike our Small Business Loans for broader growth needs or Working Capital for short-term liquidity, this service focuses on funding your equipment fast- so your operations never slow down.
How Equipment Financing Works
(Step by Step)
Apply Online
Get Approved
Start your project
Equipment Delivered
We streamline the process to get your equipment funded quickly:
Apply Online or Contact Us: Submit a short application with basic business info via our Quick Apply Form, or call/email us- takes less than 5 minutes.
Get Matched with the Right Terms: We evaluate your business needs and credit profile to find the best-fit financing-giving you one on one support through the entire process.
Receive Terms & Approval: Review competitive financing terms (e.g., 5–12% interest rates, 24–60 month terms) and sign electronically, often within 24 hours.
Equipment Gets Funded: We coordinate with your dealer or seller to release funds, typically within 24–72 hours.
Most deals fund within 24–72 hours, so your project stays on schedule.
Whats Eligible
Our Equipment Financing covers a wide range of assets to support your business:
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New or Used Equipment
From compact machines to heavy duty gear.
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From Dealers or Private Sellers
Our Equipment Financing covers a wide range of assets to support your business:
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Equipment Values from $10k to $600k+
Suitable for both small and large equipment investments.
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Broad Industry Support
Designed for diverse sectors needing specialized equipment.
Who It’s For
We understand the equipment demands of small to medium sized businesses. Our Equipment Financing is designed for:
New and established businesses needing reliable equipment to maintain or grow operations.
Buyers with a range of credit profiles, from strong to subprime, seeking flexible terms.
Businesses purchasing equipment for long-term use or expansion, such as upgrading a fleet to take on larger projects.
Professionals ready to scale- like a contractor needing a new directional drill to secure a bigger contract.
We’ve helped businesses from Houston to rural areas across the U.S. keep their equipment needs met without delays.
Common Use Cases
Our financing helps businesses meet their equipment needs:
Financing a new horizontal directional drill to tackle a larger contract.
Purchasing a trenching machine or mini excavator to expand operations.
Replacing an older hydrovac truck for improved efficiency.
Buying a commercial mower and attachments for seasonal growth.
Funding landscaping equipment to launch a new service line.
Frequently Asked Questions
What kind of credit do I need for equipment financing?
We support a range of credit profiles, from strong to subprime (FICO as low as 550). Factors like time in business and cash flow are also considered to ensure the best fit.Can I finance used equipment?
Yes, many clients finance used equipment purchased through reputable dealers or private sellers.How fast can I get approved?
Approvals often happen within 24 hours, with funding in 1–3 business days, so you can start your next project without delay.Can I finance attachments or support gear?
Absolutely. Add attachments- like an auger for a directional drill or a blade for a skid steer-alongside your main equipment.
For more, see our Support & FAQs page.