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Equipment Financing

Expand your Business Operations

No matter what industry, you need the right equipment to get the job done. It can be challenging if your business is new or needs to make major investments in equipment. Kirksley listens to fully understand your business equipment needs and can deliver a customized, effective solution (e.g. increase cash flow, improve working capital or debt coverage).

Equipment Financing: Services

Equipment Leasing Versus Equipment Financing Strategies

Deciding whether to lease or finance your business equipment can be a big decision. Perhaps the most significant advantage of equipment financing is that you will own the asset. Thus, if you expect to continue using it for some time after the loan is repaid, there may be better value in a financing scenario.

Benefits of equipment financing are:

  • Quick approval and funding in as little as 2-3 business days

  • No financial statements are needed on smaller applications

  • Little or no down payment is required (i.e. 100% financing, no funds needed from the buyer)

  • Low rates are available on loans with up to 84-month terms

  • Various payment structures (e.g. seasonal, delayed, trade-in cycle) to match your equipment usage patterns

Alternatively, equipment leasing may be better for your company. For example, it is is a good option for equipment that is likely to require an upgrade, or that you are not certain you will keep long-term.

These are some of the benefits of equipment leasing:

  • Fixed and low monthly payments

  • Your cash and credit lines will remain available for other needs

  • There are major tax and accounting advantages

  • You will avoid the risk of owning obsolete equipment

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Fast Equipment Funding for a Wide Variety of Industries and Cost Levels

Kirksley can help you handle virtually any kind of equipment acquisition financing situation in the United States and Canada. The most common industries for equipment funding are:

  • Agriculture

  • Manufacturing

  • Machining Tools

  • Construction/Yellow Iron

  • Warehouse/Distribution

  • Healthcare

  • Printing

  • Restaurant/Kitchen

  • Software/IT/Technology

  • Transportation (Trucking/Aviation/Rail)

  • Mining/Oil & Gas

  • Marine

  • Forestry

  • Security Systems & Monitoring

  • HVAC

  • Auto Repair/Diagnostic

  • Fitness/Beauty/Spa

Loan amounts for literally all equipment sizes and costs are available: as little as $1000 and as much as $50 million with terms of 2 years to 7 years (matching the typical useful life of the asset). Loan structures can vary with finance/capital leases or term loans as well as other types (e.g. CAPEX line of credit, sale & leaseback, TRAC lease).


Light application requirements are usually in place for loans under $150k (or higher amounts with great credit) and decisions/funding can often be secured within 48 hours of the initial application. Are you in a distressed debt situation or have a FICO credit below 625? Are you starting a new business and need some equipment financing help to get going? No problem, Kirksley can find a solution to fund or refinance your equipment needs.

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