Beyond the equipment

Buy the machine — and keep cash in the business.

A new machine shouldn’t drain your working capital. Layer fast, flexible funding on top of the purchase so payroll, inventory, and the day-to-day never skip a beat.

Term Loan
Working capital in a fixed lump sum, 1–3 days
8.9–24.9%Typical APR range1–3 days
Line of Credit
A revolving line for the costs around the purchase
9.9–28.0%Typical APR rangeSame day
Merchant Cash Advance
Same-day cash when the timing is tight
1.12–1.45Factor rateSame–next day

See what I qualify for Compare all funding

About equipment financing

Finance equipment where the asset itself is the collateral — so rates stay low, approvals stay fast, and your cash stays in the business. Up to 100% of the purchase, including soft costs.

What you need

Eligibility & documents.

The honest minimums and the exact paperwork — so you know whether to apply and what to gather before you do.

Minimum requirements

6+ months in business
600+ personal credit
$8K+ average monthly revenue
A quote or invoice for the equipment

Documents to gather

Driver’s license & voided check
Equipment quote or invoice from the vendor
Last 3–6 months business bank statements
Tax return (deals over $150K)

Application → funded

STEP 1
Apply
4 minutes
Soft pull, no score impact
STEP 2
Vendor quote
—
We finance straight to the seller
STEP 3
Offer
Same day
Rate and term on the asset
STEP 4
Funded
1–4 days
Vendor paid, equipment yours

Straight answers

Questions, answered.

Can I finance the full purchase?

Often yes — up to 100% of the equipment cost, and sometimes soft costs like delivery and installation. Newer or in-demand equipment qualifies for the highest financing percentage.

New or used equipment?

Both. Used and even private-party equipment can qualify; the rate and term depend on the asset’s age and expected useful life.

What if my credit isn’t great?

Because the equipment secures the loan, approvals go down to around 600 — lower than most unsecured options. A larger down payment can offset weaker credit.

What does Emet earn?

On a partner-lender deal, a 1.0–3.0% origination share, disclosed on every offer and never added to your rate. When MPS funds the deal in-house instead, Emet earns no origination share at all — MPS earns the rate printed on that offer.

Do I own the equipment?

Yes. With a finance agreement you own the equipment outright; the lender simply holds a lien until it’s paid off. We’ll flag any lease-style structures clearly.

Four minutes · one soft pull

Get capital working now.

Answer seven questions and we’ll match you with faster capital you can use today — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.

See what I qualify for Talk to an advisor