Equipment Financing & Leasing: Up to $10,000,000 CAPEX
Preserve balance-sheet liquidity and accelerate operations with flexible heavy equipment loans, machinery leases, and software acquisition structures.
Commercial Equipment Lease & Loan
Heavy machinery, commercial vehicles, medical technology, IT infrastructure, robotics, packaging systems & industrial hardware.
Three Structured Equipment Tiers
Tailored underwriting pathways matched to transaction scale, documentation, and credit profile
Tier 1: Up to $150,000
Streamlined approval process with zero tax return requirements. Ideal for rapid equipment additions.
- Application for finance completed
- Quote from seller or equipment dealer
- Private party purchase: bill of sale accepted
- Last 4 months complete business bank statements
- Minimum credit score: 600 FICO
- Turnaround: 24 to 48 hours approval
Tier 2: $150K to $10,000,000
Full-financial commercial underwriting with institutional rates and customized lease structures.
- Application for finance completed
- Quote from seller / vendor invoice
- Private party purchase: bill of sale accepted
- Last 4 months complete business bank statements
- 2 years business tax returns & current year P&L
- Current Balance Sheet & financial disclosure
- $1 Buyout, FMV, or TRAC lease options
Tier 3: Up to $75,000
Asset-collateralized funding designed for merchants seeking equipment acquisitions despite historical credit challenges.
- Application for funding completed
- Quote from seller or equipment dealer
- Purchase from private party: bill of sale needed
- Last 4 months complete business bank statements
- Collateral-backed underwriting methodology
- Approval and funding in 24 to 48 hours
Equipment Loans: Ownership & Asset Equity
An equipment loan allows you to pay for your commercial equipment over time and own the asset outright at the conclusion of the term. The loan is secured directly by the purchased equipment, giving lenders security while preserving your cash flow and operating balances.
- Term lengths: 1 to 5 years (extended terms up to 7 years for mid-market)
- 100% full asset ownership at loan maturity
- Eligible for complete Section 179 depreciation deductions
Equipment Leasing: FMV & Lease-End Flexibility
In equipment leasing, Biggs Funding Solutions provides two versatile financing formats: lease the equipment with the contractual option to purchase at Fair Market Value (FMV) at lease-end, or structure an operational lease where the equipment is returned or renewed at the end of the term.
- Lower monthly payments than conventional amortizing loans
- Option to purchase at fair market value (FMV) or renew
- Rapid upgrades to prevent technological or vehicle obsolescence
Rates from 4.99% • Section 179 tax eligible • 1–7 year flexible amortizations