Equipment Financing

Equipment Financing
In Under 3 Days.

When your business needs upgraded equipment or technology to compete, you need access to funding options quickly. Spartan Capital offers small business equipment financing — from heavy equipment to medical, construction, or commercial — with flexible payment structures that align with your cash flow.

Under 3 Days
Funding Speed
Heavy
Equipment
Medical
Equipment
Custom
Payment Plans
Get Pre-Qualified
Apply in minutes · No impact on your credit score
How long have you been in business?
Credit Score (Owner's Estimated)
Annual Revenue
$
*No hard credit pull · No commitment · Response in under 1 hour
🎉

Application Received!

A Spartan Capital advisor will contact you within 1 hour.

Up to $2M
Funding Available
24hrs
Avg. Time to Fund
65K+
Businesses Funded
$0
Collateral Required
Simple Process

How It Works

From application to funded in as little as 24 hours — here's exactly what happens.

📋
Apply Online

Tell us what equipment you need. 5-minute form, no hard credit pull.

Get Approved

Our team reviews your application and returns an offer in 1 hour.

📄
Review Your Terms

See your monthly payment, term length, and total cost upfront.

🚛
Get Your Equipment

Funds go directly to the vendor. Equipment delivered — you own it at term end.

Perfect For

Improve Efficiency With the
Right Tools for the Job.

Any business that needs equipment to operate or grow — don't let a large purchase drain your working capital when you can finance it at fixed monthly payments.

Construction & Contractors
Finance excavators, trucks, trailers, and heavy machinery — 100% financed.
Restaurants & Food Service
New ovens, refrigeration, POS systems — get the kitchen you need to grow.
Healthcare & Medical
Finance diagnostic equipment, dental chairs, and imaging machines at fixed payments.
Any Business Needing Equipment
If your business needs it to operate, we can finance it — almost any type qualifies.
Basic Requirements
Most businesses qualify — here's what we look for
Min. Monthly Revenue$10,000+
Time in Business12+ months
Min. Credit Score575+
Down Payment✓ Not Always
Hard Credit Pull✓ Never
Ownership at End✓ Yes
See If You Qualify — Free
Business owner
★★★★★
"

"I added 3 new bays and two alignment machines with Spartan. Revenue went up 40% in the first year. Same day approval — faster than I could have ever imagined."

TW
Tony Williams
Owner, Williams Auto Center · Houston, TX
$180,000
Total Funded
Equipment Financing
Product Used
Get Started Today

Apply for Equipment Financing
in Minutes

Join thousands of business owners who trust Spartan Capital for fast, flexible funding with no surprises.

100% financing available
Own the equipment at term end
No down payment required in most cases
Fixed monthly payments — budget with confidence
Finance almost any equipment type
Get Pre-Qualified
No hard credit pull · Response in under 1 hour
No hard credit pull · No commitment · Funds as fast as 24hrs