Equipment Financing

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Funding Options 💵 Working Capital 📅 Term Loans 🔄 Line of Credit 🏗️ Equipment Financing 🌇 Bridge Loans 📄 AR / Invoice Funding About How It Works Reviews Industries Recent Deals Referrals Contact FAQ Calculator 📞 866-869-6790 Apply Now
Product Details

What Makes This Product Work for You

Everything you need to know about this financing solution.

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Equipment Serves as Collateral
Because the equipment secures the loan, you get better rates than unsecured financing — and your personal assets stay protected.
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Prepayment Discounts
Pay off early and earn significant savings. We offer prepayment incentives including up to 100% interest forgiveness depending on qualifications — no penalties, maximum savings.
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Finance Up to 100% of Equipment Cost
No large down payment required. Finance the full purchase price and preserve your cash reserves for operations and opportunities.
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Vehicles, Machinery, Tech & More
From commercial vehicles and heavy construction equipment to medical devices and restaurant technology — we finance it all.
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Terms Up to 7 Years
Match your repayment timeline to the useful life of your equipment. Longer terms mean lower monthly payments and better cash flow management.
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Keep Cash Reserves Intact
Don't drain your operating capital on equipment purchases. Finance your assets and keep working capital where it belongs — in your business.
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Tax Benefits (Section 179 Deduction)
Equipment financing may qualify for significant tax deductions under Section 179. Consult your accountant — the savings can be substantial. Minimum requirements: $75,000monthly revenue and 1+ year in business.
The Process

Three Steps to Funding

Apply in minutes, hear back the same day, and get funded within 24 hours of approval.

1
Apply in Minutes
Fill out our simple online application in under 5 minutes. No documents required to check your rate. No hard credit pull.
2
Get Matched & Approved
Our team reviews your application same day. Submit before noon, hear back by end of business — guaranteed.
3
Funds in Your Account
Once approved, funds are wired directly to your business account — often within 24 hours of final approval.
Is This Right for You?

Find Your Perfect Fit

✅ Good Fit For...

  • ✅ Restaurants and food service businesses
  • ✅ Construction companies and contractors
  • ✅ Medical and dental practices
  • ✅ Transportation and logistics companies
  • ✅ Manufacturing and production facilities

⚠️ Consider Alternatives If...

  • ⚠️ Intangible purchases like software or marketing (use a Term Loan)
  • ⚠️ Working capital or operational expenses (use Working Capital)
⭐ 4.9 out of 5 on Trustpilot
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Read all reviews on Trustpilot ↗
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We had a great experience working with Ron & Dan. No pressure, no gimmicks, just clear and honest communication. They are hands down the best. Truly refreshing, straight shooters who get the job done and genuinely help small businesses succeed.
✓ Verified Trustpilot Review — December 2025
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Having been in business for 30 years I can attest that Cheddar is an excellent small business resource. I highly recommend Dan and his team.
✓ Verified Trustpilot Review — February 2026
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These guys could not make the process any easier! I literally applied for my loan yesterday and I have already been funded. I would highly recommend them to anyone.
✓ Verified Trustpilot Review — November 2024
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I’ve had the privilege of dealing with Cheddar Capital many times over the last 10 years. Dan and Ron are fantastic — they’ll answer your questions and find you the best loan with the attention as if you’re their only client.
✓ Verified Trustpilot Review
Get Started

Ready to Get Funded?

Takes 5 minutes. No documents needed to check rates. No hard credit pull. No personal guarantee required.

🔒 Your information is 100% secure. No hard credit pull. No spam.
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Before You Go — What’s Holding You Back?

Most businesses qualify with $75K+/mo in revenue and at least 1 year in business — no pressure, no hard pull.

✅ Check If I Qualify — 60 Seconds

Disclaimer: Cheddar Capital Partners keeps its information as accurate and as up to date as possible. This information can be different than your financial institution offerings, products, or services. All pre-qualified offers and approvals are subject to credit review and final underwriting. If you find discrepancies with your credit score or information from your credit report, please contact Experian® or Equifax® directly. Commercial mortgages are not available in the state of California.

*Subject to underwriting and credit approval, not all applicants qualify for same day funding.