Simple, Fast Equipment Financing for Growing Businesses
You don’t have time to chase loan approvals through a forest of paperwork. When your next job hinges on the right machine, you need financing that moves at your speed — no red tape, no surprises. That’s where Equipment Finance Services (EFS) comes in. We deliver same‑day equipment financing with fixed payments, zero down required, and a process so smooth it’s legendary.
Why Business Owners Choose EFS
Built for Small Businesses. Backed by Big Experience.
You know your trade. We know financing, and we specialize in small and medium-sized business equipment loans designed to help contractors, builders, manufacturers, and tradespeople access the tools they need to grow.
From uneven cash flow to tight timelines, we understand how small businesses really run, and we’ve structured our process to match. Whether you’re buying new, used, or from the yard next door, we make it simple, fast, and friction‑free.
Not a Bank, But a Partner
Forget the banking bureaucracy. EFS puts approvals before obstacles.
No piles of paperwork.
Approval and funding often happen same-day.
First payment due 30 days after pickup.
Transparent, fixed terms with no surprises.
We work with all kinds of borrowers: established crews, one‑truck operators, fast‑growing shops. Strong credit and time in business can improve your rate, but we look at the full picture. If you’re serious about your business, we’re serious about getting you financed.
Fast, Predictable Financing
Apply, Finance, and Haul — All in One Day
No waiting weeks. No wondering if you’ll qualify.
- Many borrowers receive approval within hours.
- E‑sign your docs, skip the back‑and‑forth.
- Get funded, get your machine, and get moving fast.
Fixed Terms. No Curveballs.
When we say fixed, we mean it.
- Choose your term: 24, 36, 48, or 60 months.
- Know your monthly payment from day one. No rate hikes, no sliding terms.
- Quotes are all in, so what you see is what you owe.
- Every on-time payment builds your business credit score for future growth.
Zero Down. 100% Go.
Save your cash and other lines of credit for payroll, fuel, or your next job. Most borrowers qualify for full financing, and there’s no down payment required.
Flexible Solutions for Every Industry
If It Lifts, Digs, or Builds — We Finance It
Construction? Landscaping? Material handling? Specialty trades? Yes, yes, and yes. Whether your job site needs aerial lifts, excavators, forklifts, or attachments, we’ve got you covered.
Your Equipment, Your Way
New or used. Any dealer or direct sale. All brands welcome. Our equipment financing is designed with America’s operators in mind, giving you access to a wider range of machines, often with better value than brand-new units with manufacturer restrictions.
Sasquatch‑Sized Flexibility
We’re not tied to any one manufacturer or seller. You pick what fits your business, and we’ll get the deal done.
A Smarter Financing Experience
No Red Tape. Just Results.
- Apply online — no 20‑page forms or financial acrobatics.
- Get same‑day approval.
- E‑sign and get funded fast.
Real Human-Led Support
No bots. No scripts. Just experienced territory reps who speak your language and know your industry.
Need help choosing terms? Want to talk through your plan? We’re just a call or message away.
We run a soft credit check, so your personal credit score isn’t impacted.
(Unlike hard pulls, which can ding your score.)
Get Started With Legendary Financing
Apply today and get the equipment you need — fast! With EFS, you get:
Same‑day approval and funding.
100% financing available.
Support from a team that knows your industry.
FAQs
How fast can I get funding?
Often same‑day approvals and equipment pickup.
Do I need a down payment?
Most borrowers qualify for 100% financing.
Can I finance used equipment?
Absolutely! There’s no age limits or brand restrictions.
Will applying affect my credit?
Nope! It’s a soft pull, so there’s no credit score impact.
