Equipment Financing
Get the Equipment Your Business Needs
Atlantic Equipment Finance connects businesses with flexible loans and leases up to $10M. Fast approvals, competitive rates, and programs for startups and established companies alike.
How the Process Works
From first contact to funded equipment — we keep it simple.
Free Consultation
Talk with our team about your equipment needs, business goals, and financing options. No commitment required.
Submit Application
Complete our simple application online. Transactions up to $200K are often app-only — no financial statements required.
Approval & Terms
We work our lender network to find the best structure for your business. You review and approve the terms before anything moves forward.
Equipment Funded
Once approved and signed, your equipment gets funded quickly — so you can put it to work right away.
Financing Programs
Choose the structure that fits your business — loan, lease, or something in between.
Commercial Loans
- ✓Up to $10M
- ✓Up to $200K app-only
- ✓Corp-only available
- ✓Principal-only payoff
Commercial Leases
- ✓Up to $10M
- ✓Up to $200K app-only
- ✓100% funding
- ✓FMV, $1BO, TRAC structures
Startup Programs
- ✓Up to $250K
- ✓Up to $50K app-only
- ✓0–2 years in business
- ✓Principal-only payoff
Private Party Sales
- ✓Up to $550K
- ✓Loan & lease options
- ✓100% funding
- ✓New and used equipment
Industries We Serve
We understand the equipment needs of your industry — and structure financing accordingly.
Frequently Asked Questions
How long does the approval process take?
For transactions up to $200K, approval is often app-only and can happen within 24–48 hours. Larger transactions may require additional documentation but we work to keep the process as fast as possible.
What types of equipment can be financed?
We finance a broad range of commercial equipment including commercial vehicles, construction machinery, manufacturing equipment, and technology assets. New and used equipment both qualify.
Can a startup qualify for equipment financing?
Yes. Our Startup Programs are specifically designed for businesses with 0–2 years of operating history. Approvals up to $250K, with app-only options up to $50K.
Do you require a down payment?
Not always. Many of our lease programs offer 100% funding with no down payment required. Loan programs may vary depending on the transaction and credit profile.
Is financing available for used equipment?
Yes. We finance both new and used equipment with no age or mileage restrictions on commercial vehicles. Our private party sales program also supports equipment purchased from private sellers.
Ready to Get Started?
Apply online in minutes or reach out to talk through your options. We work with businesses at every stage.