Thrive Merchant Funding - Equipment Financing

Equipment Financing


Need equipment?

You can finance just about any kind of business equipment.

Many small business owners hear about equipment financing and think of tractors and backhoes. Yes, construction equipment is totally financeable – but so is a bunch of other stuff. In fact, there’s an equipment financing option to cover tools and resources for just about every small business industry. Big or small, basic or complicated, doohickey or doodad – whatever you need, we’ll help you cover the costs.

50 States

Funding Across The Nation

We're connected to America's largest small business loan marketplace, which means we connect you to more loan options than anyone else. All you have to do to gain access to our nationwide network of 75+ lenders is to fill out the online application.


Small Businesses Funded


Approval Rating




Years Of Experience

How does it work

It's pretty easy to qualify and apply for equipment financing.

To get equipment financing, you’ll typically need to be in business at least 12 months, have $50,000 or more in annual revenue, and have a credit score of 650 or higher. If your credit score is lower than 650 but you can show proof of solid cash flow and revenues for the past 3-6 months, you can still qualify. And don’t worry if you don’t meet all of these requirements – exact qualifications will vary by lender and equipment type. The best way to figure out what you qualify for is to fill out our free 15-minute application or get in touch with one of our personal funding managers.

Minimal effort

A Loan Made For You And Your Small Business

Our goal is to be the premier go-to source for business financing. We strive to be the best-in-class service for funding needs for your business. We listen, analyze, and evaluate to help you growth and achieve financial goals for your business.


We have the flexibility

Costs can vary as much as your equipment can

Your equipment loan payments are determined by four things: your loan amount, interest rate, term, and collateral. These factors can vary widely across industries and equipment types. That’s why we work with a variety of lenders who specialize in industry-specific loans – so we can help you find the best deal. If math isn’t your thing, you can use our equipment financing calculator to figure out what kind of monthly payments you can afford.


From vehicles to pencils

What Kind of Equipment Can I Finance?

Regardless of your company’s industry expertise, exploring your equipment finance options could help the success of your business. Plus, unlike a personal loan, you won’t always be held personally responsible for repaying the loan, depending on the lender. Unless there’s a personal guarantee required, equipment financing is just tied to the company and uses the asset as collateral.

You can receive your funds in just 3 steps.

Quick application with minimal paperwork

Thrive Merchant Funding - About Us