Find the rate that you qualify for by completing a 60 second application with no commitment.
When you’re ready, complete your online financing application with help from NOI Capital funding specialists.
Sign your documents and funds will be wired to the vendor—as soon as the same day in most cases.*
We offer financing and leasing options for a wide range of equipment, including machinery, vehicles, technology, medical equipment, and more. Please contact us to discuss the specific equipment you need for your business.
To apply for equipment financing or leasing, please complete our online application form or contact our customer support team. We will require basic information about your business, your credit, and the equipment you wish to finance or lease.
Interest rates and terms vary depending on the type of equipment, the lease structure, your credit profile, and the length of the financing or leasing term. We will provide a customized quote based on your specific situation.
Down payment requirements depend on the specific financing or leasing program. Some programs may require a down payment, while others offer 100% financing. We will discuss the options available to you during the application process.
Yes, we do provide financing and leasing options for both new and used equipment. However, the age and condition of the equipment may affect the terms and rates offered.
A capital lease is a long-term lease that transfers ownership of the equipment to the lessee at the end of the lease term. An operating lease is a short-term lease that does not transfer ownership and typically includes maintenance and repair services.
Equipment financing and leasing are financial solutions that help businesses acquire necessary equipment without paying the full upfront cost. Financing involves taking a loan to purchase the equipment, while leasing involves renting the equipment for a specified period – often with options to own the equipment once the lease is paid off.
We will typically evaluate your credit score, income, and debt-to-income ratio, among other factors. There is no minimum credit score required to secure equipment financing with us, but lower scores could affect your eligibility, terms, or rate—depending on your file. We work with businesses with various credit profiles and can discuss your options during the application process.
At the end of an equipment lease, you typically have the option to return the equipment, purchase it at fair market value, lease to own options as low as $1, or extend the lease terms. The specific options available to you will depend on the type of lease agreement.
Yes, many of our financing & leasing programs allow you to upgrade or add equipment during the term. Please contact our customer support team to discuss the options available to you.
Typically, for application only files the minimum amount you can borrow is $1,000 and the maximum is $500,000. If you have an active business with bigger equipment financing needs you may qualify for up to $50 million through our commercial financing programs.
To check the rates and terms you qualify for, NOI Capital conducts a soft credit pull that will not affect your credit score.
Equipment financing and leasing may offer tax benefits, such as deductions for interest expenses and depreciation. We recommend consulting with a tax professional to understand the specific tax implications for your business.
Yes, we understand the unique challenges that startups and new businesses face and offer financing and leasing programs tailored to their needs. Please contact our customer support team to discuss your specific situation and the solutions available to you.