The machine pays for itself.
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.
- Financing
- Up to 100%
- Term
- 2–7 yr
- Min credit
- 600+
- Funded in
- 1–4 days
Is this the right tool?
We earn more on some products than others — so the only way you can trust a recommendation is if we tell you when to walk away. Here is exactly who this is, and isn't, for.
- You’re buying a specific piece of equipment or vehicle
- You want to keep cash on hand instead of paying upfront
- You like that the equipment secures the loan, not your house
- You have been open at least 6 months
- You need working capital, not a machineBetter fit: Term Loan →
- You want the lowest rate and can waitBetter fit: SBA 7(a) →
- You need flexible, reusable cashBetter fit: Line of Credit →
What it actually costs.
One worked example, every line shown — including what we earn. No teaser rate, no fine print. Want to run your own numbers? The calculator does it live.
The equipment is the collateral, so there’s usually no separate down payment or lien on other assets. Emet’s origination share is disclosed on your offer and never added to your rate.
Eligibility & documents.
The honest minimums and the exact paperwork — so you know whether to apply and what to gather before you do.
- 6+ months in business
- 600+ personal credit
- $8K+ average monthly revenue
- A quote or invoice for the equipment
- Driver’s license & voided check
- Equipment quote or invoice from the vendor
- Last 3–6 months business bank statements
- Tax return (deals over $150K)
- STEP 1Apply4 minutesSoft pull, no score impact
- STEP 2Vendor quote—We finance straight to the seller
- STEP 3OfferSame dayRate and term on the asset
- STEP 4Funded1–4 daysVendor paid, equipment yours
Compared with the alternatives.
The two products people weigh this against most often. Same numbers as our Rate Library, so the comparison is apples to apples.
Equipment FinancingThis page Asset-secured | Term Loan Fixed installments | SBA 7(a) Government-backed | |
|---|---|---|---|
| Rate | 7.5–19.9% APR | 8.9–24.9% APR | 6.5–11.5% APR |
| Amount | $15K–$2M | $25K–$500K | $50K–$5M |
| Funded in | 1–4 days | 1–3 days | 2–6 weeks |
| Best for | Buying equipment | Predictable lump sum | Lowest rate, big projects |
| Apply now → | View Term → | View SBA → |
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?
A 1.0–3.0% origination share, disclosed on every offer and never added to your rate.
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.
See your real rate today.
Answer seven questions and we’ll shop 40+ lenders for you — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.