Our equipment financing connects your business with lenders who specialize in asset-backed loans. The equipment itself serves as collateral, making this one of the most accessible and cost-effective financing options available — even for businesses with less-than-perfect credit.
Whether you need a fleet of commercial vehicles, a commercial kitchen, manufacturing machinery, or the latest medical diagnostic equipment, Our network of 75+ lending partners includes specialists in every major equipment category.
Equipment financing through us preserves your cash flow by spreading the cost of major assets over time. The equipment serves as its own collateral, which typically means lower rates and easier approval than unsecured business loans. You can also take advantage of Section 179 tax deductions on financed equipment.
| Factor | ROK Financial Equipment Loan | Equipment Lease |
|---|---|---|
| Ownership | You own it | Leasing company owns it |
| Tax Benefit | Section 179 deduction | Lease payments deductible |
| Flexibility | Fixed term | Return or upgrade at end |
| Cost | Lower long-term cost | Higher over time |
| Credit Requirement | More flexible | Often stricter |
Equipment financing through our lender network covers virtually every asset class a business might need. Each industry has specialist lenders within the network — meaning your application is evaluated by lenders who understand your specific equipment type, its depreciation curve, and its resale value, resulting in better approval odds and more competitive terms.
Commercial trucks, trailers, refrigerated vehicles, delivery fleets — financing up to $5M per unit or fleet. Includes new and used vehicles up to 10 years old.
Excavators, cranes, bulldozers, concrete mixers, scaffolding. Construction equipment financing specialists who understand seasonal cash flow patterns.
MRI machines, X-ray equipment, dental chairs, surgical tools, lab equipment. Specialist lenders who understand medical asset values and practice cash flow.
Commercial ovens, walk-in coolers, espresso machines, POS systems, dishwashers. Financing available for both new equipment purchases and existing asset refinancing.
CNC machines, industrial presses, conveyor systems, laser cutters — including specialty manufacturing equipment with limited resale markets.
Servers, workstations, networking equipment, point-of-sale systems, software-integrated hardware. Technology refresh cycles can be financed with 12–36 month terms.
One of the most compelling advantages of equipment financing over paying cash is the tax treatment. Under Section 179 of the IRS tax code, businesses can deduct the full purchase price of qualifying financed equipment in the year it is placed in service — up to $1,220,000 in 2026. This means you can preserve cash by financing equipment while still receiving the full tax deduction as if you paid cash.
Additionally, bonus depreciation allows businesses to deduct 60% of the cost of new equipment in 2026 (phasing down from 100% in prior years). Consult your accountant to confirm how these deductions apply to your specific equipment purchase and business structure.
Both new and used equipment can be financed through our lender network. For used equipment, lenders evaluate the asset's age, condition, remaining useful life, and resale value. Generally, equipment up to 10–15 years old qualifies for standard financing, though terms may vary. Specialty or industry-specific equipment with limited resale markets may require additional documentation or a larger down payment.
Equipment financing is one option — depending on your needs, these alternatives may also fit:
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