Flexible Terms
Loan terms of 24 to 72 months
When Your
Customers Thrive,
So Do You
Work with Kapitus Equipment Finance (KEF) to offer your clients a range of equipment financing solutions.
What Is Kapitus Equipment Finance?
Kapitus Equipment Finance is a subsidiary of Kapitus dedicated to delivering fast and flexible equipment financing solutions. Backed by decades of combined industry experience, our team is comprised of seasoned professionals committed to providing exceptional service and tailored financing options to help your clients acquire the equipment they need to stay competitive, while keeping your name top of mind for each purchase.
Kapitus is a leading provider of financing solutions for small and medium-sized businesses across the U.S. With 20 years of experience, Kapitus has built a reputation for integrity and transparency, helping over 65,000 businesses secure more than $7 billion in growth capital.
Why Partner with Kapitus Equipment Finance?
Partner with us to enhance client relationships, increase retention, and broaden your service offerings.
The Kapitus Equipment Provider Partner Program is designed to assist equipment manufacturers and dealers by offering financing options to their customers.
Seamless Integration
Seamlessly integrate financing into your existing sales process without disrupting your workflow.
Accelerate Sales
Accelerate your sales cycle and close more deals.
Diverse Options
Offer your clients a comprehensive range of financing options tailored to their unique needs.
Customer Satisfaction
Enhance customer satisfaction and retention.
Marketing Support
Gain access to marketing support.
Our Equipment Financing Options for Qualified Buyers
Ready to Partner?
Let‘s Make Sure We’re a Good Fit!
It was great to connect at the ARA show. We are an ideal match for organizations who regularly engage directly with established small business owners looking to spend over $20K to purchase equipment.
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.