Fast equipment financing structures the cost of commercial equipment purchases over 24-72 months while approving applications within 24 hours. Use it when you've found the equipment you need and don't want to wait weeks for traditional equipment loan approval.
Direct Fast Funding finances commercial equipment from $10,000 to $500,000 per piece — vehicles, machinery, kitchen equipment, medical equipment, technology, manufacturing systems. Funds typically release directly to your equipment vendor within 48-72 hours of approval.
What Equipment Can Be Fast-Financed
- Commercial vehicles — Trucks, vans, refrigerated vehicles, fleet
- Restaurant equipment — Ovens, refrigeration, POS systems
- Construction equipment — Excavators, loaders, generators
- Healthcare/dental — Imaging, dental chairs, exam equipment
- Manufacturing — CNC, packaging, assembly equipment
- Technology — POS, computers, security systems
- Used equipment — From verified commercial dealers
Fast Equipment Financing Process
- Get vendor quote — Itemized quote from commercial equipment vendor
- Apply with quote — Submit application + quote + 3 months bank statements
- Approval in 24 hours — Decision and offer same day or next
- Sign agreement — Electronic signature
- Funds released to vendor — Direct payment to vendor within 48-72 hours
- You receive equipment — Vendor delivers per their normal terms
Why Speed Matters in Equipment Financing
Common time-critical equipment scenarios:
- Equipment auction or estate sale — Limited window to bid
- Used equipment deal — Won't last if you wait
- Replacement urgency — Existing equipment failed, need replacement now
- Seasonal equipment for peak — Need it operating before peak season
- Vendor inventory clearance — Time-limited promotional pricing
Standard Equipment Loans Take WeeksBank equipment loans typically take 2-6 weeks. SBA equipment loans take 60-120 days. By the time traditional financing approves, the equipment opportunity is often gone. Fast equipment financing keeps you in the deal.
Fast Equipment Financing Rates
- Strong credit (700+) — competitive APR, 36-60 month terms
- Average credit (600-699) — competitive APR, 24-48 months
- Building credit (500-599) — competitive APR, 12-36 months
Slightly higher than standard equipment financing rates due to compressed timeline.
