bot Equipment Financing | Market Direct Capital
Equipment Financing - Business Growth & Replacement

Equipment Financing to Keep Your Business Moving

Finance machinery, vehicles, technology, and other essential business equipment. Market Direct Capital™ helps structure and place equipment financing with suitable funding sources.

Invest in the Equipment Your Business Needs

Equipment financing can help businesses purchase, replace, or upgrade essential assets while preserving liquidity for day-to-day operations. The right structure depends on the asset, useful life, business performance, and repayment capacity.

Market Direct Capital™ evaluates the financing purpose, available collateral, timing, and borrower qualifications to identify appropriate funding sources.

Financing may be available for new or used equipment, eligible existing equipment debt, and qualified expansion projects, subject to lender and program requirements.

Common Equipment Financing Needs

  • Purchase new or used business equipment
  • Replace aging machinery or vehicles
  • Expand production or service capacity
  • Upgrade technology and automation
  • Refinance eligible equipment debt
  • Support qualified business expansion

Equipment We Can Help Finance

Eligible assets vary by lender and financing program.

Construction & Heavy Equipment

Excavators, loaders, trucks, and other qualified construction machinery.

Manufacturing & Industrial

Production lines, fabrication equipment, and industrial machinery.

Commercial Vehicles

Qualified work trucks, fleets, and specialty business-use vehicles.

Medical & Professional

Eligible diagnostic, clinical, and professional-use equipment.

Technology & Systems

Business technology, automation, and other eligible systems.

Replacement & Expansion

Equipment upgrades, replacements, and capacity-building purchases.

Equipment Financing Sources

We evaluate financing options in the context of the business and equipment being financed.

Private Capital

Flexible equipment-secured structures and alternative lending solutions for qualified transactions.

Explore private capital

Conventional Bank Financing

Bank equipment loans for borrowers who meet cash flow, credit, and collateral requirements.

Explore conventional bank financing

SBA & USDA Financing

Eligible equipment purchases may be included in SBA or USDA guaranteed financing when program rules permit.

Explore sba & usda financing

Financing Structures Matched to the Asset

Equipment term loans typically finance an eligible asset over a defined repayment period. Some lenders also offer equipment-secured refinancing or leasing structures. The structure should reflect the asset's expected useful life and the business's cash flow.

A lender may require a down payment, appraisal, invoice, equipment details, or additional collateral. Terms, rates, and advance amounts are determined by underwriting.

What Lenders May Review

  • Equipment description, age, and condition
  • Purchase price or current market value
  • Business financials and repayment capacity
  • Borrower credit and experience
  • Existing liens and collateral position
  • Vendor, invoice, or appraisal information

How Market Direct Capital Helps

Review the Need

Identify the equipment, transaction amount, business purpose, and timing.

Evaluate Structure

Consider collateral, repayment capacity, useful life, and funding alternatives.

Prepare the Request

Organize business financials and relevant equipment documentation.

Identify Lenders

Match qualified financing requests with appropriate lending sources.

Equipment Financing Questions

Depending on the lender, eligible assets may include machinery, construction equipment, manufacturing equipment, commercial vehicles, medical equipment, technology, and other business-use equipment.

Both new and used equipment may qualify. Lenders consider age, condition, useful life, value, and the business purpose of the equipment.

Market Direct Capital can evaluate private capital, conventional bank financing, and eligible SBA or USDA programs based on the borrower, equipment, and transaction.

Eligible equipment loans or other equipment-secured obligations may be refinanced subject to lender underwriting, collateral value, and program rules.

Down payment and advance requirements vary with the equipment, borrower profile, collateral value, and financing source. Some transactions may require an equity contribution.

MDC helps evaluate financing structures, organize equipment and business information, and identify suitable lenders. All financing is subject to underwriting and approval.

Explore Equipment Financing for Your Business

Market Direct Capital™ can help evaluate equipment financing options and identify suitable lenders for your request.

Request a Financing Consultation