Fueling growth with equipment financing you can trust.
Fast, reliable, and grounded in industry expertise right here in the Northwest—our mission is to get you the equipment you need to keep building.
Explore our tailored financing solutions to grow your business.
At EquipNorthwest, we provide tailored equipment financing solutions and practical guidance to help you secure the machinery you need, manage your fleet wisely, and keep your business growing strong.
Equipment Loans
Traditional financing with predictable, fixed monthly payments that make planning easier. With an equipment loan, you own the machine outright once the balance is paid off — building equity in an asset that stays in your fleet for the long haul. This option is best for businesses that see their equipment as a long-term investment and want the stability of ownership.
Capital Leases
A capital lease is structured like a long-term purchase plan. You make scheduled payments over the lease term, and at the end, ownership of the equipment typically transfers to you. This approach spreads out costs, preserves working capital, and can provide tax advantages depending on your situation. Capital leases are a strong fit for companies that plan to use their equipment for many years but prefer flexibility in how they finance it.
Operating Leases
An operating lease allows you to use equipment without the long-term commitment of ownership. Payments are usually lower compared to loans or capital leases, and when the term ends, you can return or upgrade the equipment. This makes operating leases a smart option for businesses that frequently rotate machines, want to keep equipment off the balance sheet, or need flexibility for short- to mid-term projects.
Partnership & Guidance
Financing is more than numbers. We listen, understand your needs, and provide honest and informed advice to help you make the best decisions for your business growth.
FAQs
What types of equipment can I finance?
We finance a wide range of equipment — from excavators, loaders, and cranes to trucks, trailers, and specialized machinery. If it helps you build, haul, or grow, chances are we can finance it.
Do I need perfect credit to qualify?
We work with businesses at many stages, from established companies to growing contractors. Our goal is to understand your situation and find a solution that fits. We take a partnership approach — looking at the whole picture, not just a credit score.
How quickly can I get approved and funded?
We know time is money on the jobsite. Some financing solutions move faster than others (some can be completed in as fast as 24-48 hours). We are committed to keeping your loan/lease a priority and working it through to completion. We stay actively engaged with our lending partners to make sure nothing stalls, and we guide you every step of the way so the process is fast, dependable, and hassle-free.
What’s the difference between a loan, a capital lease, and an operating lease?
While these are our primary financing products, they’re not the only options available. By understanding your unique situation, we can guide you toward the structure that best fits your needs. Here’s a quick overview of the main types of loans we offer:
Equipment Loan: You borrow the funds and own the equipment after paying off the loan.
Capital Lease: Works like a purchase spread over time — you make payments and typically own the equipment at the end.
Operating Lease: A flexible option with lower monthly payments and no obligation to own — perfect if you frequently upgrade equipment.
Why should I choose EquipNorthwest instead of going directly to a bank?
Banks often see equipment as “just another loan.” We specialize in this space and understand the ins and outs of managing equipment. That means more flexible options, faster turnaround, and a true partner who is invested in your long-term success — not just a one-time transaction. We have connections to multiple lenders and underwriters. That allows us to shop on your behalf and match you with the financing partner who best fits your needs, ensuring you get the right terms for your business.
What makes EquipNorthwest different from other financing companies?
Most lenders focus only on closing a deal. At EquipNorthwest, we see financing as the beginning of a relationship, not the end. We take the time to understand your business, connect you with the right lending partners, and stay involved long after the paperwork is signed. Our commitment is to be a trusted partner who supports your growth for the long run — not just a single transaction. Your success is our success; and you as you grow, so will we.