Get Your
Equipment.
Keep Your Cash.
Smart equipment financing for rental pros at the ARA show and beyond.
What to Expect When Working With Kapitus Equipment Finance (KEF)
You’re looking to upgrade or expand your rental equipment based on what you saw at the show — we’re here to make that happen.
Equipment financing through Kapitus Equipment Finance can help you tackle your needs with flexible payment options. Our team of financing experts is passionate about simplifying the financing process and helping businesses reach their full potential with the right equipment in place. Reach out today to see how you can benefit from a custom equipment financing solution.
Benefits of Financing with Kapitus Equipment Finance
Flexible Terms
Loan terms ranging from 24 to 72 months to suit your business planning.
Custom Solutions
Customized financing solutions tailored specifically to your unique needs.
Easy Application
Application-only process for financing requests up to $500K.
Speed & Efficiency
Fast credit decisions and flexible terms.
No Down Payment
Same-day funding.
Financial Ease
Seasonal and deferred payment options available.
Growth & Tax
Potential tax benefits.
Other Financing Options
Working capital and credit lines available through Kapitus.
Ready for Financing?
Let’s Make Sure We’re a Good Fit!
Our equipment financing is designed to help businesses succeed with minimum requirements to be met.
2 Years
650+
$20,000
Equipment Financing FAQs
Can the equipment I am purchasing be used as collateral?
Yes! cross-collateral is not required for equipment financing. The equipment you are purchasing is the only collateral needed for approval.
Can a newer, “startup” business get equipment financing?
We generally require a minimum of 2 years in operational history.
Is it difficult to get equipment financing?
Securing equipment financing through Kapitus is a simple and straightforward process.
For equipment costing up to $500,000, qualified borrowers can enjoy a simple application-only submission process.
Do I need good credit to get equipment financing?
A credit score of 660 is generally required for equipment financing, however, the business behind the paper is fully considered, and credit-challenged customers can receive non-binding pre-approvals for equipment purchases.
Reach out to one of our financing specialists to inquire further.
What are the typical terms for equipment financing?
Equipment financing terms can go out as far as 72 months.
What happens at the end of an equipment financing term?
If your financing obligation is paid in full at the end of your financing terms, you fully own the equipment you purchased and nothing further is needed.
How does equipment financing repayment work?
Upon approval, your financing specialist will discuss your financing package further to decide upon the repayment terms and rates that best fit your capacity and business needs. You will be making payments to your lender, not the vendor or entity from which you purchased the equipment.
Can I finance the full cost of the equipment?
You can finance up to 100% of your equipment cost with rates starting at 7.5% and terms of up to 72 months.
You can finance both new and used equipment!
What type of equipment can be financed?
Almost any type of equipment you need to run your business can be financed – from vehicles to software. Here are some of business needs you can cover:
- X-Ray Machines, Autoclaves, CAD/CAM Technology, Dental Treatment Units and more
- Bulldozers, wheel loaders, telehandlers, aerial platforms, trenchers, pavers and more
- Solar Panels and HVAC Units
- Commercial mowers, front-end tractors, loaders, back hoes, excavators and more
- Forklifts, workbenches, flow racks, case sealers, conveyor belts and more
- Trailers, delivery vans, company cars, food trucks,
- Commercial ovens, freezers, refrigerators, grills, food processors and more
Can used equipment be financed?
Absolutely! You may need to submit a bit of extra paperwork but used equipment can be financed.
Can I pay off equipment financing early?
The ability to pay off debt early is proof of a business’s success and financial responsibility. There are no penalties for paying off your equipment debt early.
How much does equipment financing cost?
The cost of your Equipment Financing will vary on several factors, such as the amount being financed, your personal credit score, and your business’s financial health.
Equipment financing through Kapitus starts at 7.5% interest and have repayment terms of up to 72 months.
Can I lease equipment instead of buying it?
Yes! You do have the option to lease your equipment, so long as the equipment vendor allows it. To learn more about leasing equipment, contact a Kapitus financing specialist at 646-257-5406
About Kapitus
Important Disclosures
All applications are subject to Kapitus Equipment Finance LLC’s credit review, eligibility criteria, and final approval. Kapitus Equipment Finance provides financing for equipment acquisition and is not the manufacturer, seller, or distributor of the equipment. Accordingly, Kapitus Equipment Finance disclaims any representations, warranties, or guarantees, express or implied, regarding the equipment’s condition, performance, merchantability, fitness for a particular purpose, or any other aspect. Loans offered or brokered by Kapitus Equipment Finance LLC in California are through Strategic Funding Source, Inc. d/b/a Kapitus, pursuant to California Finance Lenders License No. 603-G807.
2500 Wilson Blvd, Unit 350, Arlington, VA, 22201, United States • 1 (800) 780-7133
Copyright 2026 Strategic Funding Source, Inc. All rights reserved. Kapitus and the Kapitus logo are registered trademarks of Strategic Funding Source, Inc. Loans made or brokered in California are made or brokered pursuant to California Finance Lenders License No. 603-G807.