Proof, Not Promises
We've Funded Equipment Across Every Industry
$120K pump truck. Concrete contractor was about to pay cash. We showed him the math: finance at 9% over 5 years, deduct full amount through Section 179. Net cost after taxes: $72K. He kept $120K in reserves and got the truck.
Result: $120K financed → $72K net cost → cash reserves intact
$150K digital imaging system for a dental practice. The dentist had $320K in student loans — every bank said no. Equipment lender said yes because the machine is the collateral. Funded in 5 days. Machine paid for itself in 4 months.
Result: $150K funded → 5 days → ROI in 4 months
$95K used Freightliner Cascadia. Owner-operator was leasing at $2,800/month. Equipment financing at $1,926/month. He saves $874/month AND builds equity in the truck.
Result: $95K financed → $874/month savings → owns the asset
$200K CNC machine. Machine shop needed it to take on aerospace contracts. Section 179 saved $80K at 40% tax rate. Net cost: $120K for a machine generating $400K in new contracts per year.
Result: $200K financed → $120K net → $400K new revenue
$95K ADAS calibration system. Only shop in town that can handle newer vehicles. Equipment financing, machine is collateral. Booked solid within 2 months. $200K+ in new revenue first year.
Result: $95K financed → $200K new revenue year one
$150K laser platform. Equipment financing, zero down for qualified buyers. Machine generates $30K/month in treatments. Paid for itself in 5 months.
Result: $150K financed → $30K/month revenue → 5-month payback
Financed a $120K excavator with zero down. Section 179 saved me another $48K in taxes. Net cost was about $72K for a machine generating $200K in new contracts.
Mike R.
General Contractor | Houston, TX
Qualification Estimator
See What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents. No credit impact.
See What You Could Qualify For
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Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Full Transparency
The Real Cost of Equipment Financing — No Surprises
These are real numbers from funded scenarios in our network. Your rate depends on credit profile, revenue, and equipment type — it could be lower.
Want to run YOUR equipment through the numbers?
Monthly payment, total cost, Section 179 savings — calculated in 30 seconds. No signup.
Calculate Your Equipment Cost →Honest Comparison
The Honest Comparison: Us vs Your Bank vs Paying Cash
Bobby's take:
Look at the “paying cash” column. Yes, you save $29K in interest. But you also have $0 in reserves. One slow month, one equipment breakdown, one late payment from a customer — and you're scrambling. I've never met a business owner who regretted keeping cash in the bank. I've met plenty who regretted draining it.
Equipment package over $1M? Our commercial team structures multi-lender equipment lines — each lender competing on their specialty. One application, one specialist.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
Can I afford the monthly payment?
A $120K excavator at 9% over 5 years is $2,490/month. If that equipment generates even $8K/month in new revenue, you're net positive $5,510/month from day one. Equipment that doesn't generate more than its payment isn't worth buying — financed or not.
What if business slows down?
Our lenders offer terms from 6 months to 10 years. Longer terms = lower monthly payments. We also have early payoff discounts on every loan — if business booms, pay it off early and save on interest. If business dips, the lower payment keeps you breathing.
My bank already offered me a rate. Why would I use you?
Maybe your bank rate is better. But your bank looked at ONE set of criteria. We send your application to 70+ lenders simultaneously. Some specialize in your industry. Some care more about revenue than credit score. Some offer $0 down. You might get a better rate, a higher amount, or both — without a hard credit pull to find out.
I got denied. I probably don't qualify.
Banks deny 73% of small business loan applications. Equipment financing has the HIGHEST approval rate of any business loan product because the equipment itself is the collateral. We've funded 560 credit scores. If you have $10K/month in deposits and 6 months in business, you likely qualify.
Isn't it better to just pay cash?
See the comparison table above. Cash means zero reserves. Finance means you keep $120K in the bank, take a $48K Section 179 deduction, and build business credit. The $29K in interest costs less than one emergency you can't cover because your cash is tied up in a machine.
I need the equipment this week. Is that realistic?
Most equipment financing funds in 3-5 days. For amounts under $150K with strong revenue, we've done same-day. Have a quote or invoice from the dealer ready — that speeds everything up.
Tax Savings
Section 179 Tax Deduction — The Full Breakdown
Section 179 lets you deduct the FULL purchase price of qualifying equipment in year one. Not depreciated over 5-7 years. The full amount.
Bobby's take:
If you're paying cash for equipment over $25K, you're leaving money on the table. Finance it, deduct it, keep your cash working.
Simple Process
How Equipment Financing Works
Tell us what equipment you need and the estimated cost
60-second application — no documents yet
70+ lenders review your profile (soft pull only)
Specialist calls with your best offers
Sign, fund, buy the equipment
Right Fit?
Who Equipment Financing Is For — and Who It's Not For
Great Fit
Not the Right Product
Not sure which product fits? Try the qualification estimator — it recommends the right product based on your situation.
Full Transparency
What Kills Your Equipment Financing Application
You Likely Qualify If
Red Flags That Cause Denials
Pre-Qualify Now
Don't Wait Until You Need the Equipment to Get Approved
Pre-qualifying takes 60 seconds and doesn't affect your credit. When the right equipment comes along, you want to move — not wait 6 weeks for a bank to decide.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
FAQs
Equipment Financing FAQs
Equipment Financing for Small Business — $10K to $5M, 70+ Lenders, One Application
Most business owners already know they need equipment. What they don't know is how much they're overpaying — or how much cash they're burning — by going through a single bank or paying out of pocket. Basecamp Funding sends one 60-second application to 70+ lenders who specialize in equipment financing. Construction companies in Denver, dental practices in Phoenix, trucking fleets in Memphis, manufacturers in Chicago — they all come to us because one application unlocks rates, terms, and approval amounts they can't get from a single bank. The equipment itself is the collateral. No pledging your house. No draining your reserves. Most equipment financing funds in 3-5 days, and Section 179 lets you deduct the full purchase price in year one. Run the numbers on our equipment financing calculator — you might find that financing actually costs less than paying cash after the tax deduction.
We fund equipment for every industry: excavators and pump trucks for construction contractors, CNC machines for manufacturers, Freightliners for owner-operators, digital imaging for dentists, ADAS calibration systems for auto repair shops, and laser platforms for med spas. New equipment, used equipment up to 10 years old, heavy machinery, vehicles, technology — if your business needs it, we can finance it. No minimum credit score. Pre-qualify in 60 seconds with zero impact on your FICO.
Most lenders require financed equipment to be insured against damage, theft, and liability. If you need commercial coverage for your newly financed assets, our sister company InsuranceService365.com provides equipment and business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide