Put machines to work before they're fully paid off. Equipment financing lets contractors, farmers, and small businesses acquire the tools they need to take on bigger jobs and build real revenue.
Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.
Equipment financing covers a wide range of commercial and agricultural machines. The equipment itself serves as collateral, which makes these loans more accessible than many other forms of business financing.
The most versatile machine on any job site. Financing available for Bobcat, Case, Caterpillar, John Deere, and other major brands — new and used.
From compact excavators for tight residential jobs to full-size machines for commercial grading and utility work.
Material handling equipment for construction sites, farms, and distribution operations that need lift and carry capability.
Utility tractors, row crop tractors, hay equipment, and implements for farm operations of all sizes. Agricultural financing programs available.
Warehouse forklifts, rough terrain forklifts, scissor lifts, and boom lifts for industrial and construction use.
Grading, excavation, and site work contractors who need reliable iron to bid and win bigger jobs.
Tractors, loaders, and implements for farm businesses that need equipment financing on practical terms.
Skid steers and compact equipment for landscaping companies growing their service capacity.
New businesses that need equipment to generate revenue from day one. Equipment financing is often more accessible than other business loans.
Basic info, credit range, and the machine you want. No hard pull at this stage — just initial matching.
Equipment lenders who understand machines, hours, and commercial use — not just credit scores.
Most equipment financing approvals come back within minutes to a few hours depending on the loan size and documentation needed.
Once approved, move on the equipment and start generating revenue. The machine pays for itself.
Equipment financing is often more accessible than other business loans because the equipment itself secures the loan. Lenders weigh hours, condition, and revenue alongside your credit score.
Programs vary. Some equipment loans are available with little to no money down. A down payment improves your terms and can help buyers with challenged credit get approved faster.
New businesses and owner-operators just starting out are accepted by multiple lenders in our network. Equipment is strong collateral that supports first-time borrowers.
Browse current equipment inventory on Torque Hub. Apply for financing first or find the machine and apply when you're ready.
Yes. Most equipment on Torque Hub is quality used. Lenders evaluate the equipment condition, hours, and age alongside your credit and income when underwriting.
Skid steers, excavators, wheel loaders, tractors, forklifts, compactors, trenchers, aerial lifts, and other commercial and agricultural equipment.
Yes. Equipment financing for startups and new businesses is available through several lenders in our network. Equipment loans are often more accessible than commercial real estate or working capital loans because the equipment itself serves as collateral.
You finance the purchase of the equipment and make monthly payments over an agreed term. The equipment secures the loan. Once paid off, you own the equipment outright.
Most approvals happen within minutes to a few hours for equipment under a certain value. Larger equipment purchases may require additional documentation and take one business day.
Get financing lined up before the equipment is gone. Takes less than 2 minutes to apply.
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