Get the equipment now. Pay over time.
From kitchen lines to excavators, trucks to dental chairs — Tnufa finances the equipment your business runs on, with fixed payments and the equipment itself as collateral.
- Amount
- Up to $500K
- Typical term
- 12–72 months
- Payments
- Fixed monthly
- Equipment
- New or used
How equipment financing works
Equipment financing lets you spread the cost of business equipment over time. You choose the equipment and the vendor, Tnufa pays for it, and you make fixed payments over the term. Because the equipment secures the financing, approvals can be easier than an unsecured loan.
You can finance with a loan — you own the equipment from day one — or a lease, which can mean lower payments and an option to buy at the end. We’ll walk you through which structure fits your business and taxes (talk to your accountant about deductions such as Section 179).
What you can finance
- Restaurant & kitchen equipment
- Construction & heavy equipment
- Trucks, tractors & trailers
- Medical & dental equipment
- Auto shop lifts & diagnostics
- Manufacturing & machinery
- Salon & spa equipment
- Technology, POS & software bundles
From quote to delivery
- 1
Get a quote
Pick your equipment and get a quote or invoice from the vendor.
- 2
Apply
Send the quote with a short application and recent bank statements.
- 3
Approve & sign
Review your fixed payment, term and total cost, then sign electronically.
- 4
We pay the vendor
Tnufa pays the vendor directly so your equipment can be delivered.
Why finance equipment
- Keep cash in the business for payroll and inventory
- Fixed, predictable payments for budgeting
- The equipment is the collateral — usually no lien on your home
- Start earning from the equipment while you pay for it
Equipment financing is subject to credit review and approval and may not be available in all states. Terms depend on the equipment, your business and your credit profile.
Equipment financing guides
- Commercial Equipment Financing by Industry: A Practical Guide →
- Equipment Financing Explained: A Plain-English Guide →
- Equipment Financing Requirements: What Lenders Look At →
- Equipment Financing With Bad Credit: Honest Options →
- Equipment Loan vs Equipment Lease: Which Fits Your Business? →
- Merchant Cash Advance vs Equipment Financing Compared →
- Section 179 and Equipment Financing: A General Overview →
Equipment financing FAQ
Is equipment financing a loan or a lease?
It can be either. With an equipment loan you own the equipment from the start and repay over a fixed term. With a lease you use the equipment for a set period, often with lower payments and an option to buy at the end.
Do I need a down payment?
It depends on the equipment, your business and your credit profile. Some approvals require no down payment; others may ask for a portion up front.
Can I finance used equipment?
Yes, used equipment can often be financed. Age, condition and resale value of the equipment affect the terms.
What do I need to apply?
A short application, an equipment quote or invoice from the vendor, recent business bank statements, and the owner’s ID. Larger requests may need additional financial documents.
How long are the terms?
Terms typically range from 12 to 72 months, depending on the type and expected life of the equipment.
Can equipment financing help with taxes?
Businesses may be able to deduct equipment purchases under rules such as Section 179. Limits change, so check with your tax professional.
Ready to fuel your next move?
Apply in minutes. Get a decision from a real underwriting team.