Equipment Financingin Raleigh

Finance machinery, vehicles and tools

Use the equipment itself as collateral - preserving working capital for the things financing can't buy. Section 179 deductions still apply.

100% financing available
Section 179 eligible
Approvals in 24-48 hrs

From 6.75%

Apply Now (919) 551-9577

Soft credit pull only 24-hour decisions NC-licensed partners

Program Memo

Equipment Financing for Raleigh businesses

Equipment financing uses the equipment itself as the loan's collateral, which makes it one of the easier business loans to qualify for - the lender's downside is recovering the asset. Raleigh contractors, restaurants, dental practices and trucking operations use equipment loans to spread the cost over 24-84 months and preserve working capital for operations.

Two structures dominate: equipment loans (you own the asset, build equity, take depreciation) and equipment leases ($1 buyout, fair-market-value or operating lease - each has different tax and balance-sheet implications). For most owner-operated Triangle businesses, an equipment loan with Section 179 depreciation is the simpler, lower-total-cost option. We model both before recommending.

Application is usually fast - invoice or purchase order from the equipment vendor, last 3 months of business bank statements, and a one-page application. Decisions land in 24-48 hours for clean files. Funding can wire directly to the equipment vendor at delivery, which is the cleanest path for both buyer and seller.

Every Quincy Lenders application runs through NC-licensed lending partners - one soft credit pull, side-by-side offers, no fee until close.

Coverage · Equipment Financing

Equipment Financing by Raleigh neighborhood

Open a page tailored to your specific neighborhood or adjacent community.

Related Money Pillars

Other money programs

Pre-qualify · 60 seconds

Equipment Financing.Apply in 60 seconds.

Apply Now Call the desk