Equipment Financing
Market Direct Capital connects businesses with private lenders, family offices, and private equity funds for equipment loans and leases. We focus on fast decisions, practical structures, and documentation that matches how credit teams evaluate assets, cash flow, and use of funds.
Where equipment financing fits
Use private equipment capital to acquire, upgrade, or unlock equity from existing assets without slowing operations.
- New or used purchases: Vendor quotes, build sheets, or invoices accepted.
- Refinance: Improve cash flow or consolidate multiple obligations.
- Sale-leaseback: Convert owned equipment into working capital while retaining use.
- Expansion: Add capacity for new contracts, locations, or product lines.
- Bridge to SBA: Short term private funding while preparing an SBA takeout when appropriate.
Common structures
Terms vary by asset class, vintage, usage, and financial profile. Below are typical patterns sized to cash flow.
- Loans or capital leases: Fixed payments with terms aligned to asset life.
- Operating leases: Lower payments with end-of-term options case by case.
- Sale-leaseback: Lump sum cash out with immediate lease in place.
- Flexible remittance: Monthly standard, with seasonal or step payments available for qualified profiles.
- Advance rates: Sized to invoice, resale value, and secondary market strength.
Eligible equipment examples
- Construction & heavy equipment: Yellow iron, lifts, trucks, paving, concrete.
- Manufacturing & industrial: CNC, fabrication, packaging, material handling.
- Logistics: Tractors, trailers, box trucks, last-mile vehicles.
- Healthcare & medical: Imaging, lab, dental, surgical.
- Technology: Servers, networking, point of sale, software with hardware bundles.
- Specialty: Car wash systems, hospitality, food production, and more case by case.
What we look for
Private lenders evaluate the whole story, with emphasis on collateral value and repayment ability.
- Asset profile: Make, model, hours or miles, maintenance, and resale strength.
- Cash flow: Revenues, margins, backlog or contracts supporting the investment.
- Experience: Team capability to operate and maintain the equipment.
- Use of funds: Clear project or ROI rationale for proceeds.
- Support: Guaranties or additional collateral considered when leverage is high.
Process
We keep the checklist concise and aligned to underwriting so approvals move quickly.
- Read-out: Goals, timing, equipment list, quotes or invoices, and brief financial snapshot.
- Packaging: Lender-ready summary, sources and uses, and payment sizing to cash flow.
- Approval: Coordinate questions, confirm structure, and finalize documents.
- Funding: Vendor payments or refinance proceeds with clear closing steps.
Related programs
- Working capital to support staffing, inventory, or marketing.
- Private real estate loans for facilities or collateral support.
- Private non-bank SBA 7(a) for long term financing when eligible.
- MCA to SBA transition for borrowers under daily or weekly pressure.
Quick checklist
- ✔ Equipment list with make, model, year
- ✔ Vendor quote, invoice, or payoff info
- ✔ Brief financials and bank statements
- ✔ Use of funds and timing
- ✔ Any contracts or backlog supporting ROI
Advantages of private equipment capital
- Speed: Streamlined review and fast vendor payment.
- Flexibility: Loans, leases, and sale-leaseback options.
- Cash flow fit: Seasonal or step payments case by case.