Private credit glossary · Data updated Oct 23, 2026
What is equipment finance?
Equipment finance is debt secured by the machinery, vehicles, or hardware being purchased — the equipment itself is the collateral, which lets companies fund essential assets while preserving other credit lines.
296
active Equipment Finance funds in this site's database
$5M–$50M
median confirmed check size, from 45 source-confirmed ranges
How it works
- The lender takes a lien on the equipment; terms match its useful life.
- Structures include loans, finance leases, and sale-leasebacks.
- Advance rates depend on resale value of the asset class.
When borrowers use it
- Trucking fleets, construction equipment, manufacturing lines, medical devices.
- Companies that want to match payment schedules to the asset's earning life.
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