GET THE TOOLS YOU NEED
WITHOUT DRAINING YOUR CASH FLOW.
APPLICATION ONLY UP TO $500K
Apply online in minutes. Get the equipment you need to build your business.
No Cost or Obligation
Fast and easy one-page application. It takes less than 5 minutes to complete.
Get approved and funded the same day.
Flexible equipment financing and tailored funding solutions to your unique goals and needs.
Loans & Leases
$10,000 to $30M
18 to 84 Months
Rates start at 5.99%
Monthly Revenue
$25,000 +
Credit Score
500+ FICO Score
Get $10,000 to $30M Now!
Equipment financing lets your business purchase or lease machinery, vehicles, or technology—while keeping your working capital intact.
Instead of paying upfront, you spread the cost over time. It’s fast, flexible, and often tax-deductible.
Equipment financing is a loan or lease used to purchase business-related equipment. Instead of paying in full, you make regular payments over time while using the equipment to generate revenue. Depending on the lender and deal structure, the equipment may serve as collateral, reducing the need for additional assets or guarantees.
✅ 4-Hour Approvals
✅ Flexible terms up to 7 years
✅ Over 86,000 small businesses trust us
✅ $500 Best Rate Guarantee
Need new rigs, trucks, or machines—but not the bank delays? Sunwise Capital’s equipment financing gets your business moving fast, with approvals in hours and funding in as little as one day. Whether you’re expanding a fleet or upgrading a single unit, we structure fixed-rate, no-surprise loans that protect cash flow while letting the equipment pay for itself.
We finance all major asset classes:
Apply in minutes—grow for years.
Sunwise Capital’s equipment financing is designed for growth-minded businesses that rely on high-value assets to generate revenue. Construction contractors needing excavators, trucking and logistics fleets adding service, tow, dump, or OTR long-haul trucks, and specialty haulers purchasing flatbeds or hydro vacs all benefit from fast approvals that keep projects on schedule.
Manufacturers and recyclers updating production lines, restaurants and hospitality groups upgrading commercial kitchens, medical practices installing imaging devices, and fitness centers refreshing gym equipment can preserve cash flow while spreading costs over predictable, fixed-rate terms. If your company has been operating for at least two years, generates $25,000+ in monthly revenue, and values same-day funding, Sunwise Capital’s equipment loans are the smartest, hassle-free way to put essential machinery to work and drive profits.
By financing or leasing qualifying equipment before year-end, you can leverage the IRS Section 179 deduction to write off up to the full purchase price—often 100%—in the year the asset is placed in service. That means you keep cash in the bank while still claiming a major tax break, effectively lowering your out-of-pocket cost. Because Sunwise Capital funds fast and allows flexible terms, you can acquire construction machinery, trucks, medical devices, manufacturing lines and more, then deduct up to $1.22 million for 2025 (subject to phase-outs). Talk with your tax professional to confirm eligibility and maximize savings.
ABC Excavation needed a $150,000 bulldozer. Instead of paying upfront, they secured a 60-month loan with a fixed monthly payment. Within 48 hours, the bulldozer was on-site generating revenue, with payments spread over 5 years and fully deductible under Section 179.
Yes, depending on age and condition, many used items qualify.
Sunwise can fund as fast as 4 hours.
Often, no; however, a small down payment may help improve your rate.
We can work with challenged credit. We have approved files in the 400s. Naturally, the stronger the credit, the better the loan amount, rate, and terms.
