Private credit glossary · Live data July 2026
What is equipment finance?
Equipment finance is debt secured by the machinery, vehicles, or hardware being purchased — the equipment itself is the collateral, which lets companies fund essential assets while preserving other credit lines.
512
active Equipment Finance funds in the Agentas database
$10M–$100M
median stated check-size band
How it works
- The lender takes a lien on the equipment; terms match its useful life.
- Structures include loans, finance leases, and sale-leasebacks.
- Advance rates depend on resale value of the asset class.
When borrowers use it
- Trucking fleets, construction equipment, manufacturing lines, medical devices.
- Companies that want to match payment schedules to the asset's earning life.
Related terms
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