Get Fast Equipment Financing.
Track every deal in real time from your own dashboard — whether you're a borrower or a vendor. Transparent terms, no guessing where things stand, funded faster.
How equipment financing works
Step 01 — Apply for equipment financing
Apply
In
Minutes
You found the equipment. The vendor's ready. You'd rather not drain your cash to get it. Start with one short online application. There's no paperwork to print, and checking your options won't touch your credit score.
No. Evolve pre-qualifies you with a soft credit pull, which has no impact on your credit score.
For deals under $250,000, the one-page application is often all we need.
No. Seeing what you qualify for is free.
Step 02 — Get pre-qualified with a soft credit pull
Know
Where
You Stand
You want a straight answer, not a runaround. Our team reviews your application and comes back with a pre-qualified amount and terms in plain English, no finance lingo. Every update shows up in your own borrower portal, so you're never left guessing where you're at.
Apply anyway. Nobody has perfect credit. Lenders also weigh offsetting factors like strong bank statements, your business credit, and time in business.
We offer both: equipment loans (EFAs), $1-buyout leases and fair-market-value leases. Want to own it at the end? A loan or $1-buyout lease usually fits. Want a lower payment and the option to upgrade later? An FMV lease usually fits.
Log in to your borrower portal anytime. No chasing emails, no waiting by the phone.
Step 03 — We pay your equipment vendor directly
Get
Funded.
Get Moving.
Once you e-sign your documents, we wire the money straight to your equipment vendor. They release the equipment, and you get back to work without emptying your cash reserves.
The vendor. Once your documents are signed, we pay them directly, as quickly as possible, and they release your equipment.
Essential equipment in nearly every industry: construction, trucking and fleet, medical and dental, restaurant, manufacturing, and more.
Often, yes. Under Section 179, qualifying equipment placed in service by December 31 can usually be deducted this tax year, even when it's financed. Confirm with your CPA, then see your estimated savings.
The straight answer
How long it takes, and what actually happens
The same four steps whether you are financing a $15,000 walk-in cooler or a $150,000 food truck build. Most borrowers are done in days, not weeks — what sets the clock is how complete your file is and your vendor or builder's delivery date.
- Step 01
Apply online
About 5 minutes
Legal business name, address, EIN, your ownership details, and what you are buying with the amount. No paperwork to print, and it does not affect your credit score.
- Step 02
Get a pre-qualified amount
Same day in most cases
We run a soft credit pull and review your file, then come back with a number and a monthly payment in plain English. If something is missing, we tell you exactly what and why.
- Step 03
See the terms in writing
Right after you pre-qualify
Amount financed, monthly payment, term length, buyout and every fee on one page. You compare it against your cash flow before you commit to anything.
- Step 04
Sign, and we pay your vendor
As soon as you sign
You e-sign and we pay your dealer or builder directly, then they release the equipment. Building something new? We can fund the deposit so the build starts now instead of later.
How the money works
Equipment loan (EFA)
Fixed monthly payment and you own the equipment outright at the end of the term. Terms run 24 to 72 months.
$1 buyout lease
Payments sit a little above a fair-market-value lease, and at the end of the term you buy the equipment for one dollar.
FMV lease
The lowest monthly payment of the three. At the end of the term you can return the equipment, buy it, or upgrade.
Prefer it explained out loud? Apply in about five minutes and a loan officer calls you back — or use the chat in the corner and ask us directly.
Financing Built for Your Industry
See typical payments and terms for the equipment your business actually buys.
Construction Equipment Financing
Finance excavators, skid steers, and heavy iron without draining working capital.
Estimate payments
Trucking & Fleet Financing
Put another truck on the road with payments built around your revenue per mile.
Estimate payments
Medical & Dental Equipment Financing
Add imaging, chairs, and lasers to your practice while keeping cash in the business.
Estimate payments
Restaurant Equipment Financing
Outfit the kitchen, front of house, and POS without a large upfront hit.
Estimate payments
Manufacturing Equipment Financing
Add capacity on the floor with terms matched to the life of the machine.
Estimate payments
All Other Industry Equipment Financing
Don't see your industry? We finance essential equipment across nearly every business type.
Estimate paymentsSpeed & Efficiency
Streamlined pre-qualification and funding. We use technology to move faster than traditional banks, so you can acquire your equipment sooner.
Transparent Terms
No hidden fees or surprises. We believe in building long-term equity with our partners through honesty, clarity, and fair rates.
Dedicated Partnership
We're not just a lender; we're a financial partner. From your first truck to your fiftieth, we scale our funding with your growth.
Timeline, process and payment questions
The questions we get asked most on the phone, answered here in plain English.
Help Customers Overcome
Capital Constraints
No capital is the biggest pain point for businesses trying to grow. Stop losing deals due to your customers' lack of cash flow—offer instant monthly payments and let us handle the paperwork.
- Real-time deal tracking portal
- Competitive commission structures
- Expedited pre-qualification decisions for qualified borrowers