Commercial Capital Solutions · $25K–$5M · Funded in 2–5 Days
Growth Doesn't Wait. Neither Does Your Financing.
🛡️ Soft pull only — won't affect your credit score
No hard credit pull. No upfront fees. One dedicated advisor handles your deal from application to funding. All credit profiles considered with the right conditions. Trucks, machinery, agricultural, medical, construction, and more — funded directly.
From a single semi truck to a full fleet of excavators — we offer equipment loans and financing from $25,000 to $5,000,000 for new and used equipment across every commercial vertical. Funded in 2–5 days.
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Commercial Trucks & Vehicles
Box trucks, semis, dump trucks, vans, trailers. New or used.
Every equipment financing situation is different. Here are the most common ones we see — and how we handle each.
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I found equipment and need to move fast
We specialize in quick closings. Most deals are approved in 24–48 hours and funded in 2–5 business days. Tell us your deadline upfront and we'll prioritize.
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I want to lock in financing before I shop
Get pre-qualified before you even find the equipment. Knowing your budget and terms in advance puts you in a stronger negotiating position with sellers and dealers.
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My busy season is coming up
Don't wait until you need it. Seasonal businesses often need equipment funded weeks in advance. Getting approved early means you're ready when the work starts.
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I own equipment and want to pull equity
Equipment cash-out refinancing lets you leverage the value of what you already own to free up working capital for payroll, materials, or growth without selling your equipment.
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My bank declined me or stalled
Banks have rigid one-size-fits-all requirements. Northwood offers multiple financing programs for different credit profiles, industries, and equipment types — so a bank decline is rarely the end of the road.
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I want a better deal on an existing loan
If you're paying too much on an existing equipment loan, we can structure a refinance and potentially lower your payment or pull cash out in the process. No obligation to proceed.
Northwood has financing programs across the full credit spectrum. No matter where you're starting, there's a program designed for your situation — as long as your business has the track record to support it.
Subprime
Below 620
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10% down minimum
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2+ years in business
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3 months bank statements
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$25K minimum equipment
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Strong monthly revenue helps
Lender options are limited at this tier — strong down payment and business seasoning are essential for approval.
Near Prime
621 – 659
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0% down options available
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1+ year in business
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3 months bank statements
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$25K minimum equipment
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Program options available
Solid options available. Consistent revenue and time in business are the primary approval factors at this level.
Prime
660 – 699
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Standard approval process
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1+ year in business
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3 months bank statements
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$25K minimum equipment
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Strong program selection
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0% down options available
Straightforward approvals with strong program terms. Most equipment types and industries qualify at this level.
Preferred
700+
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Best available terms
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0% down options available
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Fastest approvals
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Startups considered
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3 months bank statements
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$25K minimum equipment
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Full program access
Top-tier access to our full program suite. Strong personal credit opens doors even for newer businesses.
You don't have to buy new to get access to capital. If you own equipment — or are currently leasing it — there may be money sitting in it right now.
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Equipment Cash Out
Borrow against the equity in equipment you already own. Get working capital without selling the equipment you depend on. Most collateral types qualify — trucks, machinery, trailers, farm equipment.
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Lease Buyout Financing
Lease ending soon? Finance the buyout and own the equipment outright at terms that may be better than what the leasing company is offering. Keep the equipment you know.
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Rate & Term Refinance
If you're paying too much on an existing equipment loan, we can structure a refinance with better terms — lower payment, better structure, or both. No obligation to proceed.
We handle the heavy lifting. You focus on running your business.
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Tell Us What You Need
Fill out our 60-second form. Tell us the equipment type and amount. Soft pull only at this stage — no impact to your credit.
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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.
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We Match You to the Right Program
We review your file and structure the right financing program based on your credit tier, equipment type, and business history. You review your approval and choose the terms that work for you.
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Equipment Funded
Docs signed, funds released. Most equipment deals fund in 2–5 business days. Time to get to work.
A bank gives you one offer and weeks of waiting. Northwood moves fast, with multiple financing programs and one advisor handling your deal personally from start to finish.
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Multiple Programs, One Application
A single bank gives you one answer. Northwood runs multiple financing programs so we can structure a solution for your specific equipment type, credit profile, and timeline — not a one-size-fits-all product.
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No Upfront Cost. No Surprises.
No application fees, no advisor fees, no hidden charges at closing on our end. You get expert guidance and more options than any single bank — at zero cost before funding.
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Speed That Banks Can't Match
Bank equipment loans can take 4–8 weeks. Our financing programs move fast — most equipment deals are approved in 24–48 hours and funded in 2–5 days.
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New, Used & Private Party
Many banks won't finance used equipment or private-party purchases. Northwood handles both — including older equipment and units that have been declined through dealer financing.
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All Credit Tiers Welcome
From below-620 with 10% down to 700+ preferred — we have programs for every credit profile with the right conditions. Even if your bank said no, we may have options.
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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 a call center.
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Early Payoff — No Prepayment Penalties
Many equipment loans lock you in with prepayment penalties that punish you for paying early. Our programs offer early payoff options at no penalty — so if your business has a strong quarter, you can pay down your loan without being penalized for it.
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Significant Tax Advantages
Section 179 allows businesses to deduct the full cost of qualifying financed equipment in the year it's placed in service — potentially a six-figure deduction. Ask your advisor about structuring for maximum tax benefit.
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We Give Back With Every Deal
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.
"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
★★★★★
"I had a 608 credit score and the banks wouldn't touch me. Northwood structured a program that looked at my revenue and down payment — I got the excavator I needed."
David M.
General Contractor · Riverside, CA · $220,000 funded
★★★★★
"I wanted to pull equity out of my semi so I could buy a second one. Northwood structured a cash-out that worked perfectly — kept my payment manageable and got me my cash."
See what your equipment financing could look like. No hard credit pull, no obligation — just a quick estimate to help you plan. Financing can also cover freight, installation, tax, and delivery.
$100,000
$25K$1M+
Estimated Monthly Payment
$2,693
per month for 48 months
Estimated payment based on program averages. Your actual payment and terms will depend on your credit profile, time in business, equipment type, and down payment. Your Northwood advisor will present you with your actual approval terms at no cost.
This calculator provides estimates only. Not an offer to lend. Actual terms subject to credit approval.
Common Questions
Equipment Financing FAQs
Northwood has financing programs across the full credit spectrum — from below 620 up to 750+. Each tier has different conditions. Below 620 requires 10% down and 2+ years in business. 620–659 requires 5% down and 1+ year in business. 660–699 is standard approval. 700+ is our Preferred tier with the best terms and even startup eligibility. Your advisor will walk you through exactly which program fits your profile.
Yes — and this is one of the most important things to understand about equipment financing. A solid down payment (10%+) combined with strong monthly revenue and 2+ years in business can get deals done even with a sub-620 credit score. The down payment signals commitment and reduces risk, which changes the qualification calculus significantly. Tell your advisor upfront what you have available and they will structure accordingly.
Yes, if your personal credit is 700 or higher. Our Preferred tier programs include options specifically designed for strong-credit borrowers who are new to business. Requirements typically center on a strong personal credit profile and a clear business plan. Below 700 credit with less than 1 year in business generally falls outside our current program eligibility.
Yes. Many banks won't finance used equipment, but Northwood regularly approves used equipment loans — including private-party purchases. Terms vary depending on equipment age and type, but the programs are available. We can also help with older equipment and units that have been declined through dealer financing.
Northwood offers equipment financing from $25,000 up to $5,000,000. The minimum is $25K — deals below that amount are outside our program. The maximum you qualify for depends on your revenue, credit profile, time in business, down payment, and equipment type. Many clients are surprised by how much they can access when the right program is structured for their situation.
Most equipment deals 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 will prioritize accordingly.
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.
Yes to both. Equipment cash-out refinancing lets you borrow against the equity in equipment you already own — a great way to free up working capital without selling your tools. Lease buyout financing lets you convert a lease into ownership at terms that may be more favorable than what the leasing company offers. Rate and term refinancing can also lower your payment if you're in an older loan structure. Ask your advisor which approach makes the most sense for your situation.
Many conventional equipment loans include prepayment penalties that can add significant cost if you pay off your loan ahead of schedule. Our programs offer early payoff options with no prepayment penalties — so if your business has a strong season or you want to free up cash flow, you can pay down or pay off your equipment loan without being charged for it. Ask your advisor to specifically confirm early payoff terms on any program before signing.
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 2026, the Section 179 deduction limit is over $1 million for most filers. This means you could put equipment to work immediately, preserve cash flow with monthly payments, and still write off a large portion — or all — of the cost at tax time. Speak with your CPA to maximize this for your situation. Ask your Northwood advisor how to structure your financing to align with your tax strategy — it can change the math on your deal entirely.
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 farmer who feeds them, the trucker who keeps commerce moving — these are the clients we serve, and they represent something far greater than a transaction.
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.
The NCG Charity Alignment Program was created to make giving 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.
Christopher Chavez
Finance Manager, Northwood Capital Group
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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.
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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.
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Shriners Children's
Disabilities & Injuries
Free pediatric specialty care for children with orthopedic conditions, burns, spinal cord injuries, and cleft palate. 21 hospitals nationwide. No family is ever turned away.
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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.
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 programs move fast, which ones work with challenged credit, and which ones are built for your industry. That knowledge is yours at no cost.
Christopher Chavez
Finance Manager, Northwood Capital Group
Get Started
Ready to Finance Your Equipment?
No hard credit pull. No obligation. One form, one advisor, your best options — period.
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Equipment $25K–$5M — new or used
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Funded in 2–5 business days
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All credit profiles considered with the right conditions
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No upfront fees. No surprises.
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Pay off early at any time — no prepayment penalties available.
