Golden Sun Funding provides fast, competitive equipment financing for small and mid-sized businesses. Whether you're upgrading, expanding, or replacing equipment, we help you secure the right funding — with flexible terms and nationwide coverage.
Equipment financing allows your business to purchase or lease equipment while preserving working capital. The equipment often serves as collateral, making it easier to qualify. This specialized form of business funding is designed specifically to help companies acquire the machinery, vehicles, technology, and tools they need to operate effectively and grow their business.
Unlike traditional business loans that provide cash for general business purposes, equipment financing is specifically tied to the purchase of tangible assets. The equipment itself typically serves as collateral for the loan, which often results in more favorable terms and lower interest rates compared to unsecured business loans. This arrangement reduces risk for lenders while providing businesses with an accessible path to acquiring essential equipment.
Equipment financing can take several forms, including traditional equipment loans where you own the equipment immediately, equipment leasing where you make payments to use the equipment with options to purchase at the end of the term, and lease-to-own arrangements that combine the benefits of both approaches. The flexibility of these options allows businesses to choose the structure that best aligns with their cash flow, tax strategy, and long-term business goals.
The equipment financing process begins with identifying the specific equipment your business needs and obtaining quotes from vendors or dealers. Once you've selected your equipment, you apply for financing with a lender like Golden Sun Funding who specializes in equipment loans.
After approval, the lender typically pays the equipment vendor directly, and you begin making monthly payments according to your agreed-upon terms. Throughout the loan term, you have full use of the equipment to generate revenue and grow your business, while the equipment serves as security for the loan.
Equipment financing covers virtually any type of business equipment, from heavy machinery and construction equipment to office technology and medical devices. Common categories include manufacturing machinery, agricultural equipment, transportation vehicles, restaurant equipment, medical and dental equipment, and technology infrastructure.
The versatility of equipment financing means that businesses across all industries can benefit, whether you're a construction company needing excavators, a restaurant requiring commercial kitchen equipment, or a medical practice investing in diagnostic equipment.
Instead of depleting your cash reserves for a large equipment purchase, financing allows you to maintain liquidity for day-to-day operations, unexpected expenses, and other growth opportunities. This is especially crucial for growing businesses that need to maintain financial flexibility.
Equipment financing often provides significant tax benefits, including Section 179 deductions that allow you to deduct the full purchase price of qualifying equipment in the year it's placed in service. Additionally, monthly loan payments may be deductible as business expenses, reducing your overall tax burden.
Because the equipment serves as collateral, lenders face lower risk, which often translates to easier qualification requirements and better terms for borrowers. Even businesses with less-than-perfect credit may qualify for equipment financing when they might not qualify for unsecured business loans.
Unlike many other types of business investments, equipment typically generates immediate returns by increasing productivity, efficiency, or revenue-generating capacity. This means the equipment can often pay for itself over time while providing ongoing value to your business operations.
Excavators, bulldozers, cranes, and other heavy construction equipment.
Semi-trucks, delivery vehicles, flatbed trailers, and specialty transportation equipment.
Tractors, harvesters, irrigation systems, and other farm machinery.
CNC machines, conveyor systems, production equipment, and factory machinery.
MRI machines, dental equipment, lab instruments, and medical devices.
Computers, servers, copiers, telecommunication systems, and software.
Keep your working capital for day-to-day operations while acquiring needed equipment.
Potential tax deductions and benefits from financing vs. outright purchase.
Customize payment schedules to match your business cash flow patterns.
Options for both brand new equipment and quality used machinery.
Check eligibility without impacting your credit score during initial review.
Our streamlined equipment financing process gets you approved quickly and funds your purchase efficiently.
Submit our short application
Provide a vendor quote or invoice
Get approved within 4–48 hours
Sign docs and fund your purchase
Looking for alternatives? We also offer equipment leasing options, working capital funding, and specialized vendor financing program solutions.
