Equipment Financing
Our equipment financing program helps businesses secure the machinery, vehicles, and tools they need without draining working capital. Many companies rely on financing to stay competitive and expand operations. Whether you’re upgrading your fleet, purchasing new technology, or replacing essential equipment, financing offers predictable payments and protects cash flow. We make the process simple, fast, and accessible for businesses at every credit level.
What’s Included in Our Equipment Financing
Flexible Loan Terms
Choose from competitive terms designed to preserve cash flow and support long-term planning. Each financing option is structured to meet your business’s unique goals.
New & Used Equipment Funding
Finance new or used equipment across construction, trucking, manufacturing, technology, and more. If it powers your business, we can likely fund it.
Fast Approval Process
Apply in minutes and receive decisions quickly so you can move forward without delays. Many clients receive same-day approvals based on application strength.
Credit-Friendly Programs
We consider a wide range of credit profiles, with programs designed to support businesses rebuilding or improving credit. Our team provides guidance to help strengthen your application.
Nationwide Access
Whether you operate locally or across multiple states, our nationwide reach ensures consistent support. We proudly serve clients in nationwide with responsive, reliable service.
Choosing the Right Financing Option
Our process is designed to be fast, transparent, and supportive from start to finish. You can expect steady communication, flexible options, and a simple workflow that fits your schedule. Every step is handled with clarity so you always know what to expect and how to move forward.
- Apply Online: Submit your application in minutes using our secure online form.
- Get Approved: Receive a fast decision — often the same day — based on your business profile and equipment needs.
- Sign & Fund: Complete simple documentation and access funding quickly so you can acquire your equipment.
- Ongoing Support: Reach out anytime with questions — our team is available to help.
Construction Equipment Financing
First Financial’s wide array of construction equipment financing solutions make it significantly easier to afford the vital equipment that helps you complete projects on time, every time.
Commercial Truck, Trailer & Vehicle FinancinG
No matter what type of plan you need, we provide excellent options to help get your business on the road — and keep it there — with competitive rates, quick and easy applications, and access to extensive capital.
Manufacturing Equipment
We offer flexible financing for manufacturing equipment such as CNC machines, injection molding systems, presses, laser cutters, and conveyor equipment. Our solutions support new or used machinery, fast approvals, and a wide range of credit profiles to help manufacturers grow without tying up cash.
How does equipment financing work for small businesses?
Equipment financing allows your business to acquire machinery or tools while spreading payments over time. This helps preserve cash flow and makes it easier to scale operations. Our application process is fast, and approvals often come the same day.
What credit score is required for equipment financing?
We work with a wide range of credit profiles and consider more than just the score. Many financing options start around the mid-500s, and we can provide credit-building guidance if needed.
Is it better to finance or lease equipment?
Financing is ideal if you want long-term ownership, while leasing offers flexibility and potentially lower monthly payments. We’ll help you compare your options based on goals, budget, and equipment lifespan.
What types of equipment can I finance?
We fund construction machinery, trucks and trailers, industrial equipment, manufacturing tools, technology hardware, and more. If the equipment helps your business operate or grow, we can likely finance it.
