Small Business Loans for Equipment & Working Capital
Keep your next purchase moving without using every dollar of available cash. Business loans and equipment financing can spread the cost of machinery, security systems and workplace improvements. Start with the amount you need, then compare business loan options against a repayment budget your business can sustain.
Buying a machine and covering day-to-day bills are different needs. Choose equipment finance for a defined asset purchase or explore working-capital funding for eligible operating expenses. Approval, available products and terms depend on the lender.
Business Loan Types
| Funding type | Common use | What to compare |
|---|---|---|
| Equipment loan | A specific machine or business asset | Deposit, term, collateral and total repayment |
| Business term loan | A planned purchase or expansion | Rate, fees, payment schedule and permitted uses |
| Line of credit | Recurring working-capital needs | Draw charges, renewal terms and balance costs |
| SBA-backed loan | Eligible equipment or business investment | Program eligibility and lender requirements |
SBA 7(a) loans have a maximum of $5 million and can fund qualifying machinery purchases, installation and working capital. Smaller SBA microloans are available through intermediaries up to $50,000. These program descriptions do not establish availability through the form on this page.
Business Loan Payments & Interest Costs
Compare monthly payments alongside total interest and fees. These hypothetical fixed-rate examples assume equal monthly payments, no fees and no missed payments; they are not lender rates or approval promises.
| Amount | Annual rate | Term | Monthly payment | Total interest |
|---|---|---|---|---|
| $25,000 | 10% | 36 months | $807 | $4,040 |
| $25,000 | 10% | 60 months | $531 | $6,871 |
| $50,000 | 10% | 60 months | $1,062 | $13,741 |
| $50,000 | 15% | 60 months | $1,189 | $21,370 |
A longer term lowers the payment but can cost more overall. Request the APR, origination fees, payment frequency and full repayment amount. If a provider uses a factor rate, ask for the equivalent annualized cost rather than comparing that number directly with an interest rate.
Equipment Financing for Your Next Purchase
Compare forklift prices, commercial ice machine costs and access control system prices before deciding how much to borrow. Supplier installation, delivery and maintenance can change the budget.
For mobile office trailers or modular buildings, compare a rental arrangement with a financed purchase. Include any deposit, end payment and expected ownership period. Borrowing is one option; paying cash or renting may be more suitable for your business.
Compare Business Loan Options
Have your required amount, intended use and recent business financial information ready. Ask about security, personal guarantees, early repayment and how the lender assesses affordability. Choose a payment schedule that still leaves room for wages, stock and operating costs.
You can compare business loan options when you are ready to explore funding. PriceFive is a marketing and referral service, not a lender; the finance provider determines approval and terms.
Compare Loan Options →