Construction and heavy equipment
Excavators, skid steers and track loaders, compact equipment, lifts, generators, and the attachments that go with them.
Equipment Loans & Financing for Businesses
Equipment Finance Loans for machinery and vehicles through QBiz Lending. Apply online with no credit check. Your credit is checked only after the full application, when you sign to agree.
On callA loan specialist you can book a call with
$0No application fee, no credit check to apply
2 yearsAnd a 660+ credit score to apply
$10K to $100MAcross nine programs
What you can finance.
Equipment Finance Loans cover the physical assets your business runs on: equipment, machinery, and vehicles. These are the purchases owners bring to QBiz Lending most.
Commercial vehicles and trucks
Box trucks, tractors and trailers, work vans, service vehicles, and fleet additions.
Restaurant and commercial kitchen
Ranges and ovens, walk-in refrigeration, hoods and ventilation, espresso machines, and full line build-outs.
Medical, dental, and wellness
Treatment chairs and imaging, exam and lab equipment, aesthetic devices, and clinic fit-outs.
Start my application
Manufacturing, agriculture, fitness, salon, and technology equipment qualify too. Not sure about yours? Ask a loan specialist once you sign up, free.
Two requirements. No credit check to apply.
Equipment Finance Loans have a clear bar. Clear it, and you can apply online without a credit check. Your credit is checked only after you complete the full application and sign to agree.
2 or more years in business
Your business has been operating for at least two years.
660 or higher credit score
A personal credit score of 660 or above.
What you'll enter in the application
- Requested amount and term
- What the funds are for
- Business name, entity type, and EIN
- Years in business and a primary contact
When is my credit checked?
Not when you check on this page, and not when you apply online. Only after you sign.
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Quick check on this page
Two questions, answered in your browser. Nothing is saved, sent, or checked.
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Apply online
Create your free account and complete the guided application. No credit check at this step.
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Sign to agree
With your full application in, you review and sign to agree. The credit check happens then, and only then.
From ad click to decision in four steps.
Everything happens in your QBiz account: the guided application, your documents, the signature that authorizes the credit check, and status updates. A human loan specialist is available throughout.
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1 min
Create your free account
It takes about a minute. Your account holds your application, documents, and updates in one place.
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No credit check
Apply online
Choose Equipment Finance Loans, enter the amount, term, and use of funds, add your business details, review, and submit. Save and resume any time.
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Then the credit check
Sign to agree
Once your full application is complete, you sign to agree. That is when the credit check happens, and not before.
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Days, not months
Get your decision
Decisions come in days, not months. Track status in your dashboard and talk to a loan specialist at any step.
This is the actual application.
Watch the whole flow in 29 seconds: pick a program, fill in the guided form, submit, book your review call, and see what happens next. Equipment Finance Loans is one of the nine programs you will see.
The walkthrough needs JavaScript. It shows the lending dashboard, the nine loan products, the guided application, and the review call booking.
How the tax code treats an equipment purchase.
Three federal rules in plain terms, as of September 2026. Your result depends on your entity, your state, and your income, so read this as a map, not advice.
Write it off the year it goes to work
Section 179 lets you deduct the full cost of qualifying equipment, machinery, and vehicles in the year you put them in service, instead of spreading it over years.
Up to $2.56 million for 2026, phasing out above $4.09 million of equipment placed in service. Vehicles have their own caps and must be used more than 50% for business.
100% bonus depreciation is back
Equipment bought and placed in service after January 19, 2025 can take a 100% first-year deduction. Used equipment counts if it is new to you and not bought from a related party.
Orders under a contract signed on or before January 19, 2025 stay on the older 40% schedule for 2025.
The interest is deductible, the principal is not
Interest on a loan used to buy business equipment is a business expense. Financing does not change the write-off: you can expense the equipment in year one while paying for it over the loan term.
Most small businesses are exempt from the federal cap on interest deductions: average gross receipts of $32 million or less for 2026, and not a tax shelter.
General information about federal rules, not tax, legal, or financial advice. States vary: California, for one, allows no bonus depreciation and caps Section 179 at $25,000. QBiz does not guarantee tax savings. Talk to a CPA before you count on any deduction.
Sources for this section
Financing that comes with an advisor.
Most equipment lenders hand you a form. QBiz gives you one guided application, a person to call, and an AI Business Advisor that already understands your numbers.
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One application, nine programs
Equipment Finance Loans sit beside SBA loans, working capital, lines of credit, and more. Compare fits from a single guided application instead of starting over with each lender.
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A human loan specialist, on call
Talk to a person before you apply, while you gather documents, and when a decision comes in. Schedule a call straight from your dashboard.
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An advisor that sees your whole business
Connect Stripe, Shopify, or QuickBooks and Q, your AI Business Advisor, answers plain-English questions about revenue, cash flow, and profit while you plan the purchase.
Arranged through a licensed lending partner
Business financing on QBiz is arranged through The Mayster Group, a California-licensed finance lender/broker (CFL License No. 60DBO-127208). QBiz Technology Inc. is a technology platform, not a bank or lender.
Questions owners ask before they apply.
Is there a credit check when I apply?
No. Applying online does not involve a credit check. Your credit is checked only after you complete the full application and sign to agree. Nothing is checked before you sign.
Will the quick check on this page affect my credit?
No. The two questions run in your browser and nothing you pick is saved, sent, or checked. They only tell you whether you meet the two baseline requirements.
What counts as equipment?
Equipment Finance Loans are for business equipment, machinery, and vehicles: the physical assets your business uses to operate. If you are not sure your purchase qualifies, ask a loan specialist before you apply.
What are the minimum requirements?
Two years in business and a personal credit score of 660 or higher. Meeting the minimums does not guarantee approval: the lender determines eligibility, and any amount offered, based on your program and application. Not all applicants will qualify.
How much can I finance, and what will it cost?
QBiz Lending programs range from $10,000 to $100,000,000, and maximum amounts vary by program. There is no application fee. Rates, terms, and any down payment are set by the lender and disclosed to you before you accept an offer.
How long does it take?
Creating your account takes about a minute. The application is a few guided steps you can save and resume, and decisions come in days, not months. A human loan specialist is available throughout.
Is QBiz the lender?
No. QBiz Technology Inc. is a technology platform, not a bank or lender. Financing is arranged through The Mayster Group, a California-licensed finance lender/broker. QBiz may receive compensation for referrals, where applicable.
What if I do not meet the two requirements?
Equipment Finance Loans need two years in business and a 660+ score, but QBiz Lending offers nine programs through one application, including working capital, revolving lines of credit, and A/R and invoice financing. Create an account and a specialist can help you find a fit.
Do I need a QBiz account to apply?
Yes. Your free account is where the application, your documents, the signature that authorizes the credit check, and status updates live. It also gives you the AI Business Advisor, free for launch users.
Ready to put new equipment to work?
Create your free account and apply online with no credit check. Your credit is checked only after the full application, when you sign to agree, and a loan specialist is on call the whole way.
Start my application2+ years in business and a 660+ credit score to qualify. No application fee. Not all applicants will qualify.