Equipment financing for the equipment that moves your business forward.
Equipment term loans, finance leases, sale-leasebacks and refinancing for established businesses whose equipment is central to how they earn revenue. New and used, nationwide, from $500,000 to $10 million. From the same team that funds your receivables, so your working capital and your equipment are one relationship, not two.
Equipment financing is a loan or lease subject to credit approval, collateral diligence and documentation. Structure availability and final terms vary.
One relationship. Two ways to fund growth.
Equipment financing is a loan or lease secured by the equipment itself, repaid over a term that matches the years the asset earns: a CNC line, a fleet of tractors and trailers, an excavator, a pressure pump, a forestry mulcher. It is credit, subject to approval, and it sits alongside A/R funding rather than replacing it.
At Integra the two sit side by side. A/R funding covers payroll, materials and the week-to-week cost of operating. Equipment financing covers the capital cost of adding or replacing the assets that do the work. If a need is larger or more complex than either one, the same team can point you to the right lending group. Start with the immediate need and build from there with one team that already knows the file.
| Solution | What it is | Best for | Size and term |
|---|---|---|---|
| Equipment financing | A loan or lease secured by the equipment itself. Credit, subject to approval. | Buying, replacing, refinancing or monetizing productive equipment. | $500K to $10MM · 24 to 60 months |
| A/R funding | The sale of invoices you have already earned. Not a loan. | Payroll, fuel, materials and the week-to-week cost of operating while customers pay on net terms. | No minimums · Weekly funding |
Most equipment is financed. The question is on whose terms.
More than 8 in 10 U.S. businesses that acquire equipment or software use some form of financing, a loan, a lease or a line of credit, according to the Foundation industry survey. Most of that volume runs through captives, bank programs and dealer paper built for a standard credit box.
Middle-market operators in growth, acquisition, turnaround or refinance situations often sit outside that box. A dealer program may not fund a used unit; a conventional lender may want a blanket lien that collides with an A/R facility; a sale-leaseback may not be on the menu at all. Integra structures around the asset, the use of proceeds and the cash flow, and sets the liens up to work with the receivables facility instead of against it.
See the five structures →The right structure starts with the asset and what the cash needs to do.
Five structures, chosen by the use of proceeds and the cash-flow outcome you want, not by a template.
Equipment term loan
A new or used equipment purchase, with ownership from day one and straightforward amortization over 24 to 60 months.
- Dealer or private-party purchase
- Title and lien perfected at closing
Finance lease
Capacity additions and fleet programs, on a flexible structure with ownership economics and payments matched to the asset’s use.
- Payments can be lower than a comparable loan
- End-of-term options set up front
Sale-leaseback
Working capital, growth or recapitalization: immediate liquidity from equipment you already own, which you keep using.
- Integra buys the equipment and leases it back
- Cash goes to work in the business
Equipment debt refinancing
An existing equipment loan that no longer fits the cash flow, or a blanket lien that is in the way, restructured under a single lender.
- Payments reset around today’s cash flow
- Clears a lien conflict with A/R funding
Multi-draw facility
Expansion projects and staged equipment rollouts: one approved facility that funds purchases as they happen.
- Approved once, drawn as units arrive
- Each draw secured by its equipment
Send the schedule. We come back with terms.
Equipment description, amount and use of proceeds is enough to start. Indicative terms, no obligation.
Structure availability and final terms are subject to credit approval, collateral diligence and documentation.
Five jobs the capital does.
Acquire
Fund new or used equipment without consuming the operating cash you need for payroll and materials.
Term loan or finance lease.
Expand
Add capacity, locations or fleets as demand grows, on a facility that funds the units as they arrive.
Multi-draw facility.
Modernize
Replace aging assets and invest in automation or efficiency on terms matched to the asset’s working life.
Term loan or lease, 24 to 60 months.
Monetize
Use a sale-leaseback to release cash from equipment you already own and keep running.
Sale-leaseback.
Refinance
Restructure existing equipment debt around the cash flow the business actually produces, and bring it under one lender.
Equipment debt refinancing.
Established businesses where the equipment is the business.
Integra’s equipment program is built for companies with a track record, management that has run the business through a cycle, and equipment that is mission-critical to revenue. Essential-use assets with an identifiable resale market, clean title and a clear lien position are what make a transaction work. Existing A/R funding clients entering a capital-investment cycle, or with equipment they own outright that could be working harder, are an especially strong fit.
| Market | Illustrative equipment |
|---|---|
| Manufacturing | CNC, fabrication, packaging, automation |
| Transportation & logistics | Tractors, trailers, vocational fleets |
| Construction & infrastructure | Earthmoving, cranes, paving, site equipment |
| Energy services | Pressure pumping, workover, field-service assets, turbines, generators |
| Agriculture & forestry | Tractors, combines, timber and forestry equipment; utility vegetation and tree-service fleets |
Other markets are considered on asset quality and sponsor strength. We do not finance consumer equipment. All industries we fund →
A disciplined process that protects both sides.
Approval depends on the business, its cash flow and the collateral. Five steps, one team, no surprises at closing.
Initial fit
Tell us about the business, the use of proceeds and the equipment schedule. Your specialist confirms the transaction fits the program before anyone works up a package.
Indicative structure
We come back with a proposed size, term, advance and structure: loan, lease, sale-leaseback, refinance or multi-draw.
Diligence
Financial review, equipment appraisal, ownership, liens and insurance. Having the equipment schedule, invoices, financials and ownership documents together at the start keeps this step moving.
Credit approval
Formal underwriting and approval. Final terms are set here.
Documentation and funding
Close, perfect the liens and disburse: to the dealer for a purchase, to you for a refinance or sale-leaseback.
Commercial finance experience, one relationship, and a practical view of what middle-market companies need.
One commercial finance relationship
Your A/R facility and your equipment facility are handled by one team, so the two are structured to fit each other instead of being negotiated between two lenders.
One credit file, one point of contact, liens set up to work together.
Collateral-led thinking
We focus on essential-use equipment with identifiable value and build the structure around the asset, the use of proceeds and the cash flow, not around a template.
New and used, loan or lease, sale-leaseback or refinance.
Middle-market flexibility
Growth, acquisition, turnaround, refinance or a liquidity event: situations that do not fit a conventional bank box are considered on their merits.
$500K to $10MM, 24 to 60 months.
Execution with discipline
Appraisal, lien, insurance and documentation controls on every transaction, so the deal that closes is the deal that was approved.
Responsive, and careful.
Bring us the equipment opportunity.
If you refer factoring clients to Integra today, you already see equipment opportunities: the client financing a fleet, the one with paid-off equipment and tight cash, the one whose equipment lender will not work with a factor. A strong referral starts with five items.
- Borrower name and ownership
- Requested amount and use of proceeds
- Equipment description, age and location
- Purchase invoice or estimated value
- Recent financial statements and debt schedule
What makes a good deal: an essential-use asset that earns the revenue, an established operator with a clear repayment path, identifiable value and an active secondary market, documented title, serial numbers and lien position, and a commercial purpose, whether growth, replacement, refinance or liquidity release. Referral partner program →
Real people. One specialist from first call to funding.
Equipment transactions are handled by Kyle Sligar, Executive Vice President, Equipment Finance, with the same credit and back-office team that supports every Integra facility. No call center, no bots, no phone queue.
Backed by a dedicated credit, underwriting, and back-office team on every transaction. Main line: (866) 552-8536 · M-F, 9 AM to 5 PM CT.
How the lending actually works, written down.
Equipment financing questions, answered.
Straight answers on structures, eligibility and how the process runs.
What is equipment financing?
A loan or lease secured by the equipment itself, repaid over a term that matches the years the asset earns. Integra offers equipment term loans, finance leases, sale-leasebacks, refinancing of existing equipment debt and multi-draw facilities, from $500,000 to $10 million. It is credit, subject to approval; it is not the same as A/R funding, which is the sale of invoices you have already earned.
Do I have to be an A/R funding client?
No. Equipment financing stands on its own. Existing A/R clients are a strong fit because we already know the business, but either facility can be set up without the other.
I run one truck. Can I finance a truck through Integra?
Generally, no: the equipment program starts at $500,000. It is built for established businesses and fleets financing $500,000 or more, so individual truck purchases fall outside it. For owner-operators and small fleets, freight factoring and the fuel card are where most of our carriers start, and your account manager can tell you whether an equipment conversation makes sense as the fleet grows.
What equipment do you finance?
Essential-use equipment with an identifiable resale market, new or used. Manufacturing lines, trucks and trailers, construction and site equipment, energy field-service assets, and agricultural and forestry equipment. Clean title, serial numbers and a clear lien position are required.
Loan or lease?
Both. A term loan gives you ownership from day one; a finance lease can lower the payment and keep upgrade options open at the end of the term. A sale-leaseback releases cash from equipment you already own. Your specialist walks through which fits the asset and the cash flow. Talk to your tax advisor about Section 179 and depreciation; we do not give tax advice.
I own my equipment outright. Can I use it for working capital?
Yes. A sale-leaseback monetizes equipment you already own: Integra buys it and leases it back to you, you keep using it, and the cash goes to work in the business.
My current equipment lender has a blanket lien. Can you refinance it?
Often, yes. Refinancing existing equipment debt with Integra restructures the payments around today’s cash flow and, when paired with A/R funding, removes the lien conflict that a blanket filing creates.
Will an equipment facility affect my A/R funding facility?
Not when the two are structured together. Because one team handles both, the equipment lien and the receivables lien are set up to work alongside each other from the start, which is the conflict that usually arises when an outside equipment lender files a blanket lien.
What does it take to qualify?
Three years of operating history, experienced management, equipment that is central to revenue, and a repayment path supported by cash flow and collateral. Final terms are set at credit approval.
What documents do I need to get started?
Five items. Borrower name and ownership; requested amount and use of proceeds; equipment description, age and location; purchase invoice or estimated value; and recent financial statements with a debt schedule. Appraisal, title and insurance documents follow in diligence.
How much does equipment financing cost?
Pricing is set per transaction. It depends on the equipment, the structure, the term and the credit. Send the five items above and we will come back with proposed terms: structure, size, term and pricing. They are not a commitment to lend; final terms are set at credit approval.
Have an equipment need, or equipment that could be working harder?
Tell us about the business and the asset. We come back with terms: proposed structure, size, term and pricing. No obligation.
Looking for less than $500,000?
The equipment program starts at $500,000, and below that we are honestly not your fastest or cheapest route. A small-ticket equipment lender, your own bank, an SBA 504 loan or the dealer’s own financing will usually price better and close sooner.
If you invoice other businesses on terms, the more useful question may be cash flow rather than a new loan. A/R funding turns invoices you have already earned into working capital, with no volume minimums, and it is not a loan. Owner-operators and small fleets usually start with freight factoring and the fuel card.
If the purchase could grow past $500,000, call Kyle Sligar at (817) 415-2637 and he will tell you straight. You are welcome to send the form either way.
Equipment financing is a loan or lease subject to credit approval, collateral review and documentation. Sending this form does not create an application or an offer of credit, and there is no obligation. Financial statements are not needed yet; those come at diligence. Your information is used only to respond to your request; see our Privacy Policy.