Colaeb Capital / Equipment financing
Equipment financing that pays for itself as you use it.
Finance $10,000 to $5 million in vehicles, machinery, technology and production gear through our lending partner network. The equipment backs the loan, so you keep your cash working elsewhere.
By Manny Larcher, Founder of Colaeb · Updated October 2026 · Checking options won't affect your credit.
What is equipment financing
A loan secured by the equipment it buys.
Equipment financing is a loan used to buy business equipment, where the equipment itself serves as collateral. Because the lender can recover the asset if payments stop, equipment loans are often easier to qualify for than unsecured financing and can come with more favorable terms.
Instead of draining your reserves on a truck, an oven, a CNC machine or a full studio setup, you spread the cost over the years the equipment is earning money for you. Terms typically run one to six years, ideally lining up with how long the asset will stay productive.
Equipment financing vs. leasing
With financing, you own the equipment once the loan is repaid. With a lease, you pay to use it for a set period and may have the option to buy it, upgrade, or return it at the end. Financing usually makes sense for equipment with a long useful life that you plan to keep. Leasing can suit technology that goes out of date quickly.
New, used and down payments
Many lenders finance both new and used equipment. Some may ask for a down payment, often depending on your credit, time in business and the type of asset. Have a quote or invoice from the seller ready, since lenders will want to know exactly what you are buying and what it costs.
Tax considerations
Equipment purchases may qualify for deductions such as Section 179, which can let businesses deduct some or all of the cost in the year the equipment is placed in service. Rules and limits change, so talk to your tax advisor about how financing a purchase affects your return.
Who qualifies
Three basics open most equipment loans.
Because the equipment secures the loan, approval often weighs the asset as much as your credit. These baselines open most of our partner's products.
Time in business
Many options open up after as little as four to six months of operating history.
Monthly gross sales
About $120,000 a year in revenue shows you can carry the payment.
Credit score
Options exist for most credit profiles. Stronger credit can reduce or remove a down payment.
How it works
From quote to equipment in hand.
- 1
Apply with your quote
Answer a few questions about your business and the equipment. It takes minutes and won't affect your credit.
- 2
Review your offers
A dedicated funding advisor compares terms, payments and any down payment across lenders.
- 3
Get funded
Choose your offer and funding is typically sent in two to five days, often directly to the seller.
The trade-offs
Why finance instead of paying cash?
Equipment financing protects your working capital. Here is the full picture.
Where it shines
- The equipment secures the loan, which can ease approval
- Keeps cash free for payroll, marketing and growth
- Fixed payments make budgeting predictable
- Possible tax advantages; ask your advisor
What to plan for
- The lender holds a claim on the equipment until it is paid off
- A down payment may be required
- Only covers the equipment, not other expenses
- Total cost includes interest over the term
What owners finance with it
- Vehicles and trucks
- Manufacturing machinery
- Restaurant and kitchen equipment
- Medical and dental equipment
- Studio and production gear
- Computers and technology
Common questions about equipment financing
What can I finance with an equipment loan?
Most tangible business equipment, including vehicles, machinery, kitchen equipment, medical devices, technology and studio or production gear, new or used.
How much can I borrow?
Equipment financing through our lending partner network ranges from $10,000 to $5 million, depending on the equipment and your business profile.
How fast is equipment financing?
Equipment financing typically funds in two to five days after approval.
Do I need a down payment?
It depends on the lender, the equipment and your credit profile. Some offers require one and some do not. Your advisor will show you the options.
Is Colaeb the lender?
No. Colaeb connects you with our lending partner, ROK Financial, and its network of lenders, who make all credit decisions.
Will checking my options affect my credit?
No. Reviewing your funding options does not affect your credit score.
Other ways to fund growth
Not sure equipment financing is the right fit?
One application shows you every product you qualify for. Compare them side by side on the Colaeb Capital page, or explore each option below.
About the author: Manny Larcher
Manny Larcher is the founder of Colaeb and an angel investor with over a decade of experience building, scaling and investing in companies across technology, healthcare, media and consumer brands. He was part of telehealth startup Ardina, acquired by Cardinal Health in 2017, and from 2022 to 2025 served as an Analyst at an Ohio venture capital firm investing in early-stage technology and healthcare startups.
Figures on this page reflect our lending partner's published ranges. Colaeb is not a lender; products are offered through ROK Financial and its network of lenders, who make all credit decisions. This page is general information, not financial advice.
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