— Equipment Financing
Finance the equipment — your business runs on.
New or used, from work trucks to POS systems — get the equipment you need without draining cash reserves. One specialist owns your file from first conversation to funding.
- Since 2013
- Secure, encrypted application
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
Technology that makes funding faster. People who make it personal.
You get the speed of a modern process and one specialist who owns your file from first conversation to funding — someone who knows your business and your situation, not a queue of handoffs. You’re never passed from person to person explaining your story over again. Not an algorithm deciding your business’s future — a person who understands it.
01 — The basics
What equipment financing covers
Equipment financing puts the assets your business works with — vehicles, machinery, technology, shop and facility equipment — in place now, and spreads the cost over time rather than out of cash reserves. New or pre-owned, a single defined purchase or a set of them.
Definition
Equipment financing lets a business acquire the machinery, vehicles, technology, or tools it needs and pay for them over time in fixed monthly payments, with the equipment itself typically securing the arrangement. Zip Capital Group has helped businesses finance equipment since 2013.
Vehicles & fleet
Work trucks, vans, trailers, delivery vehicles.
Machinery & heavy equipment
Construction, manufacturing, agricultural, industrial.
Technology & software
Computers, POS systems, telecom, business software.
Trade & facility
Restaurant, medical, office, and shop equipment.
02 — Who we serve
Who equipment financing is for
Equipment financing through Zip is built for established, operating businesses with a defined purchase in mind — a truck, a machine, a system that the work depends on.
What we look for
Typical minimum: $10K+ in monthly business deposits
A typical starting point for fit — not a credit determination and not an automatic qualification. Every business is reviewed individually.
A business bank account
Where your revenue is deposited.
A defined equipment purchase, new or pre-owned
A specific machine, vehicle or system you intend to acquire.
Not quite there yet? Come back as you grow — we’ll be here.
Available amount range
Financing available up to $1M
The actual amount a business qualifies for depends on the business and its eligibility — $1M is the top of the range, not a typical amount.
Because the equipment can factor into the arrangement, financing is often accessible without tying up your other assets.
03 — Compare
Where equipment financing fits
Different routes to the same machine suit different situations. Here’s where financing through Zip fits — and where another route may serve you better.
Equipment financing through Zip
Wins primarily on speed, flexibility, and a simpler process. One specialist reviews your business on how it actually performs and stays with the file through funding.
A fit when you have a defined purchase and want a straightforward path to owning it.
Equipment leasing
Financing builds ownership and equity as you pay. Leasing can suit shorter-life or fast-obsolescing assets, where you'd rather hand the equipment back than keep it.
A fit if the asset has a short useful life to your business.
A bank equipment loan
A bank may offer lower cost for the strongest files. Zip's process is built to move faster, with a single specialist and less paperwork friction.
A genuine advantage for businesses that qualify and can wait through the process.
04 — How it works
How it works
01
See if you qualify
A short set of questions about your business — no impact to move forward.
02
Talk to a specialist
A real person reviews your situation and walks you through options that fit.
03
Get funded
Once approved, funds are made available to put to work — typically faster than traditional financing.
05 — Why Zip
Why businesses choose Zip
One specialist, not a call center
One person owns your file from start to funding and knows your business — no being passed around, no re-explaining your story.
A process built to move
Technology handles the friction so decisions don’t stall.
Since 2013
Thousands of businesses funded, and a track record you can check.
Straightforward from the start
Clear criteria, clear path, no surprises.
06 — Customer story
One business, one specialist who knew the file
What it looks like when one person owns your file from the first conversation through funding — someone who understands the equipment and the job it has to do.
The truck came up used and I had days, not weeks. My specialist knew the file already, walked me through how the equipment factored in, and I never had to start the story over with anyone else.
Zip Capital Group customer
Story pending customer approval
07 — Proof
What owners say
08 — FAQ
Working capital questions
On this page
How do I see if I qualify?
You start by answering a short set of questions about your business, then a specialist reviews your situation. A typical starting point for fit is $10K+ in monthly business deposits and a business bank account, though every business is reviewed individually — meeting the minimum is a fit signal, not an automatic qualification.
How much can I finance?
Equipment financing through Zip Capital Group is available up to $1M. The actual amount depends on your business and eligibility — $1M is the top of the range rather than a typical amount.
Does checking impact anything?
Starting the qualification process is straightforward and designed to let you see your options without commitment. You talk with a specialist before anything is signed.
How fast can I get funded?
Once approved, funds are typically made available faster than with traditional bank financing. Your specialist gives you a realistic timeline for your situation.
Can I finance used equipment?
Yes. Equipment financing covers new and pre-owned equipment. Your specialist reviews the specific purchase with you, including equipment bought from a dealer or a private seller.
What types of equipment can I finance?
Vehicles and fleet, machinery and heavy equipment, technology and software, and trade or facility equipment — work trucks and trailers, construction and manufacturing machinery, POS and telecom systems, and restaurant, medical, office or shop equipment.
Is this financing or leasing — what’s the difference?
Financing builds ownership: you pay over time and the equipment is yours. Leasing is use for a term, which can suit shorter-life or fast-obsolescing assets you would rather return than keep. Zip Capital Group provides equipment financing.
Can equipment I finance qualify for a Section 179 tax deduction?
In many cases, equipment you finance may be eligible for Section 179 tax treatment, a provision that lets businesses deduct qualifying equipment purchases. Eligibility depends on your business and how the equipment is used, so ask your tax professional about your specific situation.
See what your business qualifies for.
A few questions, a real specialist, a clear path forward.
No obligation · Your information is encrypted and never sold