Business Equipment Loans · Up to $5M · Funded in 2–5 Days

Growth Doesn't Wait.
Neither Does Your Financing.

No hard credit pull. No upfront fees. One advisor handles your equipment loan from application to funding. Trucks, machinery, medical, construction, and more. Funded in 2–5 days.

$5K – $5M available
Funded in 2–5 days
No hard credit pull
No upfront fees
Advisors available now

One advisor handles your deal start to finish

Trusted By BBB A+ Accredited Google ★★★★★ 10+ Yrs Experience We Call Back Within 1 Hour
How much equipment do you need?
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$50,000
$5K$5M+
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2
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About your equipment need
Helps us match you with the right lenders.
3
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A Northwood advisor will follow up within 24 hours.
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You're All Set!

A Northwood advisor will reach out within 24 hours with your equipment financing options.

(714) 679-8886
A real person answers — not a call center
$5M
Max Loan Amount
2–5
Days to Fund
24hr
Loan Approval
10+
Years Experience
A+
BBB Rated
What We Finance

Business Equipment Loans
for Every Industry.

If your business uses it, we can finance it. From a single delivery van to an entire fleet of excavators — we offer business equipment loans and financing from $5,000 to $5,000,000 for new and used equipment across every industry. Farm equipment loans, semi truck financing, construction equipment loans, dump truck financing, and more — funded in 2–5 days.

🚛
Commercial Trucks & Vehicles
Box trucks, semis, vans, trailers, fleets. New or used.
🏗️
Construction & Heavy Equipment
Excavators, loaders, cranes, bulldozers, forklifts.
🍽️
Restaurant & Food Service
Commercial ovens, refrigeration, POS systems, fryers.
🏥
Medical & Dental
Imaging machines, dental chairs, surgical tools, lasers.
⚙️
Manufacturing Machinery
CNC machines, lathes, presses, injection molding.
💻
Technology & IT Equipment
Servers, workstations, networking gear, software.
✂️
Salon & Beauty Equipment
Styling chairs, laser devices, tanning beds, spa tech.
🌾
Agricultural & Farm Equipment
Tractors, harvesters, irrigation systems, farm vehicles.
Don't see your equipment type? We can still help →
Simple Process

From Application to
Funded in 4 Steps.

We handle the heavy lifting. You focus on running your business.

01
📋
Tell Us What You Need
Fill out our 60-second form. Tell us the equipment type and amount. No hard credit pull at this stage.
02
📞
One Advisor Calls You
A dedicated Northwood advisor calls you within 24 hours — not a robot, not a call center. One person handles your deal from start to finish.
03
🔍
We Get You Approved
We match you to the right lenders from our network and present you with the best rate and terms — you pick the one you want.
04
Equipment Funded
Docs signed, funds released. Most equipment loans fund in 2–5 business days. Time to get to work.
Start Your Application — Takes 60 Seconds →
Why Us

What Sets Northwood Apart
From Going to a Bank

A bank gives you one option and weeks of waiting. We move fast, work across multiple programs, and one advisor handles your deal personally from start to finish.

🏦
More Options Than a Single Bank
When you apply through one bank, you get one answer. We work across multiple lending programs to find the right fit for your equipment type, credit profile, and timeline — so you're not stuck with a single yes or no.
💰
No Upfront Cost. No Surprises.
No application fees, no advisor fees, no hidden charges at closing on our end. You get expert guidance, more options than a single bank, and a dedicated advisor — from application to funding.
Speed That Banks Can't Match
Bank equipment loans can take 4–8 weeks. Our lender network moves fast — most equipment deals are approved in 24–48 hours and funded in 2–5 days.
🔧
New & Used Equipment
Many banks won't touch used equipment. Our lender network finances both new and pre-owned equipment — at competitive rates either way.
📊
All Credit Ranges Welcome
We have lenders that work with credit scores starting in the 550s. If you've been told no by a bank, we may still have options for you.
🤝
One Dedicated Advisor
You get one dedicated advisor who manages your file from application to funding. No hand-offs, no confusion, no getting passed around.
💸
Significant Tax Advantages
Financing equipment can unlock major tax savings. Section 179 allows businesses to deduct the full cost of qualifying equipment in the year it's placed in service — even if you financed it. Ask your advisor how to structure your deal for maximum tax benefit.
🌱
We Give Back With Every Deal
At Northwood Capital Group, we believe helping a business grow is only part of what we do. Through our NCG Charity Alignment Program, 1% of every dollar financed is donated to a children's charity of your choice — at no cost to you.
Learn about our giving program →
🎗️
St. Jude
🏥
Shriners
🍽️
Feeding America
See What You Qualify For — No Obligation →
The Comparison

Northwood vs. Going to
a Bank on Your Own

The numbers speak for themselves. Here's what you gain by working with Northwood instead of going it alone.

Feature
Northwood
Bank Direct
Hidden fees or charges
✓ None — ever
✗ Often yes
Financing options available
✓ Multiple programs
✗ One product
Approval time
✓ 24–48 hrs
2–8 weeks
Funding time
✓ 2–5 days
3–6 weeks
Finances used equipment
✗ Often no
Works with 550+ credit
Dedicated human advisor
No hard pull to check options
Stop Leaving Money on the Table →
Real Results

Business Owners We've
Helped Get Funded

★★★★★

"I needed two new box trucks fast — my bank kept stalling for weeks. Northwood got me approved in 48 hours and funded before the weekend. Unreal."

Marcus T.
Logistics Company · Los Angeles, CA · $180,000 funded
★★★★★

"We needed a new commercial oven and espresso equipment to open our second location. Northwood found us a rate we couldn't have gotten on our own."

Sandra R.
Café Owner · Orange County, CA · $65,000 funded
★★★★★

"My credit isn't perfect and I was rejected twice by banks. Northwood found a lender that actually worked with my situation and got me a new excavator."

David M.
General Contractor · Riverside, CA · $220,000 funded
Join the Businesses We've Funded →
Common Questions

Equipment Financing FAQs

Yes. We have lenders in our network that specialize in equipment loans for new businesses — including startups and companies under 2 years old. Requirements vary by lender, but strong personal credit and a solid equipment invoice go a long way. Even if a bank has turned you down, we may have options. Fill out the form and your advisor will walk you through what's available for your situation.
Most lenders in our network look for a minimum of 600+, though we do have options starting in the 550s depending on the equipment type, down payment, and business revenue. The stronger your monthly revenue, the more flexible lenders tend to be on credit.
Yes. Many banks won't finance used equipment, but our lender network regularly approves used equipment loans — including private-party purchases. Rates may be slightly higher than new equipment, but the options are there.
We can source business equipment loans from $5,000 up to $5,000,000. The max you qualify for depends on your revenue, credit profile, time in business, and the type of equipment. Many clients are surprised by how much they qualify for.
Most equipment deals in our network fund in 2–5 business days once approved. Approval itself typically takes 24–48 hours. If you have a tight deadline — like an auction purchase — let us know upfront and we'll prioritize accordingly.
With an equipment loan, you own the equipment outright at the end of the term. With a lease, you make payments for a set period and may have the option to buy at the end — often at a predetermined price. We can help you evaluate which structure makes the most sense for your tax situation and cash flow.
No — there are no upfront fees. No application fees, no advisor fees, and no charges at closing on our end. You get expert guidance, access to multiple financing programs, and a dedicated advisor with no out-of-pocket cost before your equipment is funded.
For most equipment loans under $150K, you'll typically need 3–6 months of business bank statements, a valid ID, and a quote or invoice for the equipment. Larger amounts may require 2 years of tax returns and financial statements. Your advisor will walk you through exactly what's needed.
Yes — and this is one of the most overlooked advantages of equipment financing. Under Section 179 of the IRS tax code, businesses can deduct the full purchase price of financed or leased qualifying equipment in the year it's placed in service, rather than depreciating it over several years. For 2024, the Section 179 deduction limit is $1,160,000. On top of that, Bonus Depreciation may allow you to deduct an additional percentage of the equipment cost in year one. This means you could be putting equipment to work immediately, preserving your cash flow with monthly payments, and still writing off a large portion — or all — of the cost at tax time. We strongly recommend speaking with your CPA or tax advisor to maximize these benefits for your specific situation. Ask your Northwood advisor how to structure your financing in a way that aligns with your tax strategy — it could change the math on your deal entirely.
Apply Now — No Obligation → 📞 (714) 679-8886
Payment Estimator

Estimate Your Monthly Payment

See what your equipment financing could look like. No hard credit pull, no obligation — just a quick estimate to help you plan.

$100,000
$5K$1M+
Estimated Monthly Payment
$2,464
per month for 48 months
Your actual rate and payment will depend on your credit profile, time in business, equipment type, and lender. Your Northwood advisor will find your best available rate at no cost to you.
Get My Actual Rate →
This calculator provides estimates only. Not an offer to lend. Actual terms subject to credit approval.
Our Commitment

Financing Growth.
Giving Back.

At Northwood Capital Group, helping a business grow is only part of what we do. Every deal we close is an opportunity to invest in something larger — the communities our clients live and work in, and the children who will inherit the world they are building.

Small businesses are the foundation of this economy. The contractor who builds communities, the restaurateur who feeds them, the trucker who keeps commerce moving — these are the clients we serve, and they represent something far greater than a transaction. They are the engine of American growth, and access to capital is the fuel that keeps that engine running.

Northwood Capital Group was founded on a simple conviction: that every business owner deserves the same access to financing that large corporations take for granted. We remove the barriers — the hard credit pulls, the weeks of waiting, the one-size-fits-all bank approvals — and replace them with speed, transparency, and a single advisor who works for you from start to finish.

But our commitment to growth does not end at the business. The communities our clients operate in are home to children facing serious illness, physical challenges, and food insecurity. These are not abstract problems — they are the realities of the neighborhoods where our clients live and raise their families. We believe that a company built on the success of hardworking people has a responsibility to invest in those communities in return.

The NCG Charity Alignment Program was created to make that investment automatic. One percent of every dollar financed is donated to a children's charity of the client's choosing — at no cost, no complexity, and no reduction to their financed amount. It is our way of ensuring that every deal we close contributes to something larger than capital.

We are not simply financing equipment. We are fostering growth — for businesses, for communities, and for the generation that will inherit the world our clients are building.

Christopher Chavez
Founder, Northwood Capital Group
🌱
NCG Charity Alignment Program
1% of every dollar financed is donated to a children's charity of your choice — at no cost to you. You choose at the time of funding.
St. Jude Children's
Research Hospital
Illness & Cancer Research

No child treated at St. Jude ever receives a bill — not for treatment, housing, food, or travel. Dedicated entirely to finding cures and saving children's lives.

Feeding America
Hunger & Community

200+ food banks serving every community in America. Every dollar provides multiple meals to children and families facing food insecurity — local impact nationwide.

Your charity is selected at funding. All three organizations are top-rated by Charity Navigator and CharityWatch. The donation is made by Northwood Capital Group — there is no deduction from your financed amount.

Christopher Chavez - Founder, Northwood Capital Group
Over 10 Years
in Lending
Meet Your Advisor
"I've spent over a decade in commercial lending and I've seen first-hand what separates the businesses that get funded from the ones that don't — and it's almost never the business itself."

After 10+ years in commercial lending, I started Northwood Capital Group with one mission: give business owners the same access to capital that large corporations take for granted. When you apply through us, you're not a file number. You get me — or a senior Northwood advisor — working your deal personally from start to finish.

Equipment financing is one of our most common deals. I know which lenders move fast, which ones are flexible on credit, and which ones actually understand your industry. That knowledge is yours for free.

Christopher Chavez
Founder, Northwood Capital Group
Get Started

Ready to Finance
Your Equipment?

No hard credit pull. No obligation. One form, one advisor, your best options — period.

Equipment up to $5M — new or used
Funded in 2–5 business days
Multiple financing programs — one simple application
No upfront fees. No surprises.
📞 Call Now — (714) 679-8886
Get My Equipment Options
Takes 60 seconds. No hard credit pull.
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