Since 2017 · 10,000+ Clients Funded

Equipment Financing, Business Loans
& Working Capital

For Restaurant, Janitorial, Restoration & Packaging businesses. From commercial kitchens and truckmounts to packaging lines and floor machines. Fast funding without large upfront costs.

🔒 No Hard Credit Pull

⚡ Instant Decisions

✅ All Credit Welcome

$0M+

Max Funding

Clients Funded

$0 Down

Options Available

Step 1 of 5

💰 How much funding are you looking for?

🏢 What industry is your business in?

🕐 How long has your business been operating?

📈 What's your estimated credit score?

✅ Almost done! Where should we send your approval?

The EquipFlow Advantage

Why businesses choose us

🔒

No Hard Credit Pull

Check your options without impacting your credit score. We use a soft pull for initial applications.

✅

All Credit Scores Welcome

We look at the full picture, not just a number. Bad credit, no credit, or great credit, apply today.

⚡

Instant Decisions Up to $500K

No waiting around. Get approved fast so you can get back to running your business.

📅

$0 Down Options

Keep capital in the business. Zero-down financing is available on qualifying equipment and approval profiles.

💰

Funding Up to $1M+

Equipment financing, business loans, and working capital up to $1M+. Instant decisions up to $500K with no hard credit pull.

🌟

Since 2017 · 10,000+ Funded

Nearly a decade helping business owners get the equipment and capital they need. Trusted by 10,000+ clients and counting.

How It Works

Get equipped in 4 simple steps

From application to equipment delivery, we make the process seamless and fast.

Apply Online

Fill out our simple application in under 5 minutes. No paperwork, no hassle.

Get Approved

Receive an instant decision with your approval amount and payment options.

Choose Equipment

Select the equipment you need from any vendor or dealer of your choice.

Start Working

We pay the vendor directly and your equipment is on its way.

Why EquipFlow

Built for businesses like yours

From restaurants and cleaning operations to restoration crews and packaging lines, we make equipment financing, business loans, and working capital accessible.

🚀

Fast & Simple

No mountains of paperwork. Our streamlined application takes minutes, not days. Get a decision fast so you can move forward.

💲

Flexible Payments

Choose the payment structure that works for your cash flow. Monthly, seasonal, or deferred options available.

🎯

Any Equipment

From commercial ovens and walk-in coolers to floor scrubbers and pressure washers. If your business needs it, we finance it.

👥

All Credit Scores

We look at the full picture, not just a number. Bad credit, limited history, or just starting out, you're welcome here.

💰

$0 Down Options

Keep your capital where it belongs, in your business. We offer zero-down financing on qualifying equipment.

📋

Tax Advantages

Equipment financing may qualify for Section 179 deductions, letting you write off the full cost in the year of purchase.

Industries We Serve

Built for the businesses that move America

Restaurant, janitorial, restoration, and packaging operations. We finance the equipment, working capital, and growth your business runs on.

Restaurant

Ovens, fryers, walk-ins, prep tables, dishwashers, POS systems, smallwares, and paper. Open faster, refresh smarter.

Janitorial

Floor scrubbers, vacuums, pressure washers, sanitation systems, and chemical inventory for commercial cleaning crews.

Industrial restoration extractor and drying equipment in a job site

Restoration & Truckmounts

Truckmounts, carpet extractors, dehumidifiers, air movers, and water-damage rigs for restoration crews.

Packaging

Wrappers, sealers, conveyors, label systems, and packaging-line capital. Keep production moving and inventory flowing.

Testimonials

Trusted by business owners

See why businesses choose EquipFlow for their equipment financing needs.

★★★★★

"Got approved in under an hour for the commercial oven we needed. The process was incredibly smooth and our payments fit perfectly into our budget."

Maria R.

Restaurant Owner

★★★★★

"My bank wouldn't touch us, but EquipFlow got us the floor scrubbers we needed to land our first big commercial contract. Quick decision, no surprises."

James T.

Janitorial Services

★★★★★

"The no hard credit pull was huge for me. I was worried about my score but they approved me same day. Highly recommend EquipFlow."

David L.

Food Truck Owner

FAQ

Common questions

We welcome all credit scores. Unlike traditional lenders, we look at your full financial picture, not just a number. Whether you have excellent credit, limited history, or past challenges, we have options for you.

No. We use a soft credit pull for initial applications, which does not impact your credit score. A hard pull may only be required after you accept a financing offer.

We offer equipment financing, business loans, and working capital up to $1M+. Instant decisions on most applications up to $500K with no hard credit pull. Larger deals are available with full review. Your approval amount depends on your application details, but many businesses are approved for the full amount they need.

Most applications receive a decision within minutes. In some cases, additional review may be needed, but we aim to have every application reviewed within 24 hours.

Most applications up to $500K receive an instant decision after the soft credit check. Larger deals (up to $1M+) typically come back within 24 hours after a quick document review.

We finance virtually any type of business equipment, including restaurant kitchens, janitorial machines, restoration truckmounts and extractors, and packaging lines. We also offer business loans and working capital alongside equipment deals. If it helps your business operate, we can likely finance it.

Yes. Equipment financing often qualifies for Section 179 tax deductions, which may allow you to deduct the full purchase price of qualifying equipment in the year it is placed in service. Consult your tax advisor for details.

Absolutely. You choose the equipment and the vendor. Once approved, we pay the vendor directly so you can get your equipment as quickly as possible.