Equipment Financing
Fund the machines your revenue runs on
From kitchen equipment to vehicles to production machinery, get the tools your business needs now and let the equipment's output help carry its own cost.
What is equipment financing?
Equipment financing is capital dedicated to acquiring, or replacing, the physical assets your business depends on: machinery, vehicles, kitchen and medical equipment, technology, and tools.
Because the funding is tied to a productive asset, it's a natural fit for revenue-based approval: the equipment you're financing is usually the thing that generates the revenue that repays it. When a critical machine fails, speed matters most, our same-day review exists for exactly that moment.
Who qualifies?
If your business generates consistent revenue and the equipment serves the business, you're a candidate, credit history included.
| Criteria | What we look for |
|---|---|
| Time in business | 3+ months. Newer businesses can qualify with strong revenue. |
| Credit score | Not a barrier, we've denied 0 applications due to credit. Approval is based on business performance. |
| Revenue | Consistent business revenue. Your cash flow, not your credit file, carries the application. |
| Application | One page, 2-3 minutes. No stacks of paperwork to start. |
How repayment works
Repayment is structured around your business's earning pattern, with multiple options based on revenue. The goal is simple: payments the equipment's own output can sustain.
As always, the complete cost is disclosed before you accept, with no hidden fees, and early repayment savings can be negotiated in advance.
Oak Capital vs. a traditional bank
35% of merchants can't get bank money at all. For the rest, here's what the trade looks like.
| Oak Capital | Traditional bank | |
|---|---|---|
| Application | One page, 2-3 minutes | Long forms and document stacks |
| Decision | Most applications reviewed the same day | Often days to weeks |
| Funding speed | As little as same day, typically 24-72 hours | Typically weeks after approval |
| Credit score | Not a barrier. 0 denials due to credit | Credit-score driven; 35% of merchants can't get bank money |
| Pricing | Every cost disclosed before you accept | Varies by product and fine print |
| Repayment | Options based on your revenue or property | Fixed schedules regardless of cash flow |
Talk it through with a funding specialist
Same-day review, every cost disclosed up front, no obligation to accept.
What businesses finance
Any equipment that earns its keep is a candidate for financing rather than a cash drain.
Restaurant & café equipment
Ovens, espresso machines, refrigeration, replaced before the weekend rush, not after it.
Vehicles & fleet
Delivery vans, work trucks, and trailers that put revenue on the road.
Construction & trade tools
The machinery that lets you take the next job, funded by the jobs it wins.
Medical & salon equipment
Chairs, devices, and diagnostic tools that expand what your practice can offer.
Technology & POS systems
The systems that keep orders moving and books accurate.
Industries we fund
If your business earns revenue, it fits. These are the industries we see most.
- Restaurants & cafés
- Retail & e-commerce
- Construction & trades
- Medical & dental
- Trucking & logistics
- Salons & spas
- Auto repair & services
- Professional services
- Manufacturing
- Hospitality
Equipment Financing FAQs
See what your business qualifies for
One page. 2-3 minutes. A funding specialist will match your revenue profile to the right structure, no obligation.