Equipment Financing
Get the equipment your business needs now. Pay for it over time.
What Is Equipment Financing?
Equipment financing is a loan or lease used specifically to purchase or upgrade business equipment, where the equipment itself serves as collateral for the financing. Instead of paying the full cost of a piece of equipment out of pocket, your business makes regular payments over a set term and keeps cash free for day-to-day operations.
Because the equipment is the collateral, equipment financing is often more accessible than general business loans, and approval can be faster with less documentation required.
Get equipped without tying up cash
The equipment itself is the collateral, so approval is often faster and easier than a general business loan — and funds go straight to the vendor.
Get Started→Less documentation than a general business loan
Funds go straight to the equipment seller
Preserve working capital instead of paying upfront
Financing or leasing — whichever fits your equipment
If it powers your business, we can likely finance it
Equipment financing, at a glance
Preserve cash flow: avoid tying up operating capital in a large one-time purchase
Access better equipment sooner: acquire what the business needs now without waiting to save up
Predictable payments: fixed monthly payments make budgeting straightforward
Equipment is the collateral: approval is often faster and easier than general business loans
Potential tax advantages: Section 179 and bonus depreciation rules may allow you to deduct the full cost in the year of purchase — consult your accountant
Financing vs. Leasing
| Equipment Loan (Financing) | Equipment Lease | |
|---|---|---|
| Ownership | You own the equipment outright once the loan is paid off | You return or buy the equipment at lease end |
| Best for | Equipment you plan to keep long-term | Equipment you'll need to upgrade regularly (e.g. tech) |
| Tax treatment | Depreciation deduction on owned asset (consult your CPA) | Lease payments may be fully deductible (consult your CPA) |
| Down payment | May require a down payment depending on credit | Often $0 down or first/last payment only |
TBD — Confirm whether Marlow offers equipment leases, equipment loans, or both — this table should only include the structures Marlow actually provides.
How to Qualify
TBD — Marlow's specific equipment financing minimums — loan range, term lengths, minimum credit score, and whether new vs. used equipment is eligible.
From quote to equipment
Apply with a quote
Submit basic business information along with a vendor quote or invoice for the equipment.
Get approved
Marlow reviews your application and approves the financing.
We pay the vendor directly
Funds go straight to the equipment seller, not to your bank account.
Receive your equipment
Begin making payments on your schedule.
Common questions about equipment financing
Straight answers about financing or leasing business equipment.
Compare other financing options
Not sure this is the one? Here's what else Marlow offers.
Required Disclosures
Required Disclosures (Legal)
Equipment financing is subject to credit approval. The financed equipment serves as collateral and may be repossessed in the event of default. Loan terms, interest rates, and fees are disclosed in the financing agreement prior to signing. Tax treatment of equipment financing depends on the structure of the agreement and individual business circumstances; consult a qualified tax advisor.
TBD — NMLS and state lending license disclosures applicable to equipment financing in Marlow's operating states.