Need to get the equipment your small business as soon as possible? Don’t wait another minute – access online small business lending today to get the resources you need without breaking the bank.
We’ve made the approach simple, straightforward, and transparent while offering competitive rates and flexible terms.
• Enjoy the best small business equipment loan rates on the market.
• We offer one of the widest arrays of loan programs amongst any direct lender.
• Take advantage of a heavy equipment loan for a major purchase.
At Happy Lenders, we know when you need equipment, you need it as soon as possible. That’s why we provide you with the capital you need—when you need it.
• No filling out form after form—apply online in minutes.
• Get approved in as little as 4 hours.
• Our team of loan experts is always on standby to assist you.
We believe that your ideas cannot be “Subject to credit approval.” That’s why when banks say no, we say, “Tell us about your business.”
• We’ve helped 30,000+ businesses reach their goals.
• Receive guidance to make the most of your business capital.
• We treat you like a partner—not a transaction.
Whether you run a coffee shop or a construction company, your products and services depend on having the right tools.
✔ Get the equipment you need to succeed without hurting cash flow.
✔ Use the equipment as collateral for the loan.
✔ Help your business thrive in a competitive industry.
The term ‘business equipment’ encompasses any long-lasting, hard asset your company requires for its operations.
• Includes machinery, vehicles, computers, fixtures, furniture, electronic devices, and other office machines.
• Can be acquired through a business loan or business lease.
• Business equipment is eligible for a Section 179 tax deduction.
Compared to other financing methods, equipment financing offers a host of secondary benefits for your business.
• Access additional lines of credit while building your business credit score.
• Spreading payments over time lets you better manage your budget.
• Increase tax efficiency with the right equipment financing program.
Qualifying for an equipment loan has never been faster. Simply fill out our questionnaire with some basic business info and hit submit.
• The application takes just minutes of your time to complete.
• We contact you right away to discuss the best financing options.
• Over 90% of our applicants pre-qualify for a commercial equipment loan.
Once your submission has been processed, one of our friendly business consultants will contact you with your approval status and timeframe.
• Qualify for anywhere from $10,000 to $10M in small business equipment financing.
• We’ll contact you faster than you can drive to the bank.
Once you’ve been approved for equipment financing, your funds become available immediately.
• Enjoy same-day funding and get your equipment without delay.
• Funds are securely transferred directly to your account.
• Speak with one of our 100% U.S.-based customer service agents anytime.
Click the “Get Started” button, enter some basic business information, and pre-qualify for loans for your small business.
Once approved, a loan advisor will reach out to you with the options you qualify for and help you choose the best business loan or financing product for your situation.
Funds are deposited directly into your bank account so you can use your funding immediately
Equipment Finance Rates You Won’t Get Elsewhere
Get some of the most competitive business equipment loan rates that you won’t find at other alternative financing options. Our factor rates go as low as 1.09**.
We Believe in Small Businesses
With a record of helping over 30,000 small businesses across the U.S. and a Trustpilot rating of 4.8, Happy Lenders is much more than just a lender—we’re your partner.
Commercial equipment loans are a great way to make big purchases on essential business machinery. They lighten the financial load of an outright purchase, allowing you to invest in the future of your business without taking a big hit to your cash flow. Still, you may be wondering: Is a small business equipment loan right for me?
Lend Bucket’s mission is to provide small and medium-sized businesses like yours with streamlined access to the funding you need to operate and grow.
Lend Bucket helps small and medium-sized businesses get funding. We strive to be a trusted and committed partner to you, our customers. We make getting loans for businesses affordable, simple, and transparent.
Lend Bucket is a direct lender of working capital loans and merchant cash advances. Through our partners, we offer SBA loans, business lines of credit, equipment financing, long-term loans, and invoice factoring.
Our financing experts can help you:
We work with small and medium-sized businesses to connect them with much-needed capital. Lend Bucket combines data science with a human touch, and we work directly with you to get the best company loans or financing for your unique needs, so you can focus on your products and services.
Some funding products like merchant cash advances and invoice factoring are less credit dependent because these financing products are based on sales instead of a credit report.
Similarly, equipment financing does not have as much emphasis on credit because the equipment can be used as collateral if you default on your loan. Many of our financing solutions can help you build business credit as well.
The eligibility requirements for Lend Bucket’s small business loans and financing depend on which one you’ve selected and are based on a business owner’s specific credit history and creditworthiness. Generally, you need to have:
Specific requirements will vary.
Before asking “how to apply for a small business loan or financing?” you should first consider whether the capital will help your business grow or help your business survive a crisis.
If you don’t have a good reason for business financing, the fees and interest can really add up.
However, if the business financing will help you buy new equipment, hire needed staff, or survive a crisis like the COVID-19 pandemic, then you should consider each of the following questions when reviewing the financing option.
Startups almost never qualify for traditional bank loans, and that is true for Lend Bucket’s business loans and financing as well.
However, there are a lot of options in small business loans and financing for new businesses and startups, including:
How can I use a small business loan or financing?
“Flexible” means that you can use the capital to fund whatever your business needs.
Some business financing is flexible in its usage, such as a working capital loan, business expansion loan, merchant cash advance, business line of credit, or SBA loan.
However, some loan and financing options are not flexible. Equipment financing can only be used to purchase or lease equipment. Any type of real estate loan will also be specific to funding a physical business location.
Wondering “how do I get a business loan”? Take ten minutes to pre-qualify for small business loans online and we will respond with the best funding options for you. You can get funds in your bank account in as little as 24 hours.
Lend Bucket’s mission is to provide small and medium-sized businesses like yours with streamlined access to the funding you need to operate and grow.
When the traditional banks say no, we talk to you about your business. It’s why we’re
trusted by over 30,000 businesses in over 325 industries.
