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Equipment Financing

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Simple Application

Our simple 15 second online application can get you matched with offers in minutes.


No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.


Larger Amounts

Get matched with the best financing options with the highest funding amount.

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Same Day Funding

Our FinTech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

How Do You Qualify for
Business Equipment Financing?
No Minimum Time in Business
We fund all businesses, from the most ancient, to those taking their first steps (with 650+ credit) and everything in between.
$120,000 in Annual Gross Sales
If your credit score is 650+ or higher, there are no required sales minimums — TRAM has the perfect financing option for you!
580+ Minimum Credit Score

You don’t need squeaky clean credit to qualify for a small business loan—we work with all credit profiles.


Easy 15-second application to get options in just minutes and funding in hours!
Equipment Finance Agreements (EFAs) are an excellent way to finance your equipment purchases. EFAs can provide many of the advantages of leasing, without the issue of end-of-lease options.
In an Equipment Finance Agreement, ownership of the equipment is always in your name.  The equipment is used as collateral for the loan and a UCC is filed to secure the lender’s collateral. Like a lease, EFAs can be executed with very little money down.  
While banks and credit unions have low approval rates, TRAM offers enormous flexibility when it comes to qualifying for equipment financing.
In order to qualify for business equipment financing, you’ll typically need a FICO score of at least 650 – or 6 months of business history and at least $120,000 in annual revenue.
With a FICO score of 650 or higher, you may be able to forgo time in business and monthly revenue requirements entirely. 
What are the benefits

Simple, FinTech Speed

Choose Your Vendor

No Up-Front Fees


Tax Depreciation

Cash Flow & Speed

What Type of Equipment Can You Finance?

Construction Equipment

Medical Equipment

Restaurant Supplies

Vehicles & Trucks

Energy Equipment

Office Equipment

Frequently Asked Questions

Regardless of your industry, we can help you obtain the best deal on business equipment financing for virtually every type of equipment. We work with a wide range of business types, including medical, software, manufacturing, commerce, food services, automotive, and much more.

Equipment financing options help you finance up to 100% of the new or used equipment you need for your business.

If you’re looking for equipment financing to grow your business, offer new products or services, or simply get a competitive edge, we can help! Our FinTech speed and streamlined equipment financing process, will help you secure the capital you need in as little as 24 hours. 

All of our business equipment financing options are fully customizable to fit you and your business needs. Our Business Financing Advisors will tell you everything you need to know, and give you the opportunity to ask any questions.

Complete our 15-second online application to learn more.

Equipment lease financing is similar to equipment financing except when leasing, you are technically paying the equipment’s owner to rent it each month. At the end of the leasing period, you can opt for a buyout and purchase the equipment or end the leasing contract. Keep in mind, a disadvantage of renting equipment without the prospect of owning it may be expensive in the long run.

Is equipment lease financing the right solution for your business needs? Complete our 15-second online application to learn more.

Similar to equipment financing, heavy equipment loans allow businesses to borrow money to purchase large pieces of machinery such as; tractors, forklifts, cranes, bulldozers, backhoe, scrapers, haulers, etc. or other large machinery you need a license or special training to operate. Financing heavy equipment helps free up a businesses cash flow while giving you the ability to continue to serve your customers.

Looking for heavy equipment financing? Explore your options by completing our 15-second online application to speak with a business financing advisor. 

YES – With a secured loan against your equipment, you can take advantage of the equity in your existing equipment, or use newly-purchased equipment as collateral.

Complete our 15-second online application to learn more.

Business equipment financing is a type of loan used to purchase equipment for your business. You’ll be able to select the type of equipment, the vendor you want to work with, as well as other details. You’ll present this information with your financing application.

If you’re approved, you’ll be granted a lump-sum of capital to be put towards purchasing the equipment. From there, you’ll make regular payments for the duration of your loan – typically up to 5 years. You may even be able to customize certain terms and conditions to your business’s needs. With TRAM Funding, the entire funding process can be as quick as 3 days or less.

Some lenders may impose restrictions on the types of business equipment you can finance – but not National. Whether it’s a new model or previously used, so long as it makes sense for your business there shouldn’t be an issue.

You can use business equipment financing to cover a number of different business-related equipment. This includes machinery, vehicles, office supplies, computer hardware or software systems, commercial ovens, manufacturing materials, and more.

Complete our 15-second online application to learn more.

It’s not very hard to get business equipment financing. In fact, in many cases it’s actually easier to get approved for business equipment financing than other types of loans. All you need to qualify is a FICO score of at least 650 – or 6 months of business history and at least $120,000 in annual revenue. If your FICO score is above 650, you may be able to bypass time in business and annual revenue requirements entirely.

With business equipment financing, the materials you’re purchasing will act as collateral for the loan. This gives lenders an extra layer of security – which in turn improves your approval odds.

TRAM Funding has business equipment financing options for all types of businesses, and you’ll find it’s easier to get approved compared to traditional banks. Plus, the application process is fast and straightforward. There’s no need to go back and forth collecting numerous documents. You can simply upload your paperwork into the online portal with just a few clicks.

TRAM Funding’s application process for business equipment financing is designed to be completed in about a minute. Funding times for your loan can be as fast as 3 days or less. 

Complete our 15-second online application to learn more.

You’ll typically be able to finance used equipment for 1 to 5 years. If the equipment you are purchasing isn’t too expensive, you may be able to get a shorter term loan.

The repayment term on your business equipment loan is important because it represents how long you’ll be in debt as well as the overall cost of financing. Longer term loans feature lower monthly payments, but can be more expensive over the loan’s lifetime. Shorter term loans have higher monthly payments, but you’ll be in debt for less time and save on interest fees overall.

Still, many businesses will select a repayment term based on the monthly payment amount they can afford. Make sure to consult with one of our Business Financing Advisors to help you understand which would work best for your scenario.

Complete our 15-second online application to learn more. 

Yes! It is possible to secure startup equipment financing even with bad credit. You’ll need to have at least 6 months of business history and $120,000 in annual revenue in order to bypass credit score requirements.

TRAM Funding fills in the gaps where banks and traditional financing options fall short – especially when it comes to financing startups. With a FICO score requirement of at least 650, TRAM Funding is inherently more flexible. But even if your credit score is lower than 650, you may still be able to access financing solutions catered to your needs. 

Complete our 15-second online application to learn more.

10 Reasons Why
TRAM Funding Offers
Best Financing Options
Bank Direct Lenders
  • 3 Months Bank Statements
  • No Tax Returns Required
  • 2 Years Tax Returns
  • 2 Years Financials
  • 3 Months Bank Statements
  • 1 Year Tax Return
  • 1 Year Financials
  • One Page – One Minute
  • DocuSign
  • Lengthy
  • Paper Intensive
  • Multi - Page Application
Number of Lenders

75 +

Service Level
Business Advisor
Approval Process

Hours / Days

Weeks / Months

Days / Weeks

Speed to Funding

Hours / Days


Days / Weeks

Collateral Requirements
Not Necessary
Sometimes Required
Business Profitability
Not Necessary
Last 2 Years
Sometimes Required
Credit Score
No Minimum FICO

680 + FICO

600 + FICO

Credit Check
Soft Pull
Hard Pull
Hard Pull