Equipment Financing Companies for Middle-Market Operators
We arrange and structure heavy equipment financing, construction equipment financing, and business equipment loans with national guidance of $50K – $10M+. As a capital placement partner, we source across a network of equipment finance companies and private credit funds to identify the structure that fits your fleet, your timeline, and your cash flow.
Year-end capital planning
Buying equipment before year-end? Start with the delivery date.
Share your vendor quote, delivery and installation schedule, and business financials. We evaluate equipment loan options with independent capital providers while keeping your operating cash needs in view.
Section 179 generally applies to qualifying property placed in service during your tax year—not simply ordered or financed. Confirm eligibility and timing with your tax advisor.
Capital providers determine approval and terms. Closing and delivery dates are not guaranteed.
A Placement Partner Built Around Your Equipment
Equipment purchases are one of the largest capital decisions an operator makes, yet most commercial equipment financing gets forced through a one-size-fits-all bank process that wasn't built for the asset. We take a different approach: we evaluate the equipment, the deal structure, and your operating history, then identify the capital source and structure most likely to approve it on terms that work.
Because we work across a broad network of equipment financing companies, private credit funds, and asset-based lenders rather than a single balance sheet, we can place transactions that a single bank would decline — construction fleets, manufacturing lines, medical equipment, and vocational trucks among them — while keeping your existing credit lines untouched for working capital.
Equipment We Help Operators Finance
From a single machine to a full fleet, we structure equipment financing across every major revenue-producing asset class.
Manufacturing Equipment
CNC machines, injection molders, presses, robotics, and production lines — new or used, single units or full facility retrofits.
Construction & Heavy Equipment
Excavators, dozers, wheel loaders, cranes, and compaction equipment for contractors, site developers, and equipment rental fleets.
Trucking & Transportation
Dump trucks, box trucks, sleeper cabs, trailers, and vocational vehicles for owner-operators and growing fleets.
Healthcare & Medical Equipment
Imaging systems, surgical equipment, dental chairs, and diagnostic technology for practices and outpatient facilities.
Agriculture Equipment
Combines, tractors, irrigation systems, and grain handling equipment structured around seasonal cash flow.
General Business Equipment
Restaurant kitchens, printing presses, packaging lines, salon and fitness equipment, and other revenue-producing assets.
Financing by Equipment Type
Explore financing structures, typical terms, and program details for specific equipment types.
How Equipment Financing Placement Works
Share Your Equipment Need
Tell us what new or used equipment you are purchasing and share the vendor quote and verified business financials.
We Evaluate the Structure
We review financials, the equipment itself, and your timeline to determine which capital sources fit best.
We Source and Present Terms
We identify matched equipment finance companies and present indicative terms — rate, term, and structure — for your decision.
Fund and Deploy
Once terms are accepted, documentation moves quickly and funds are typically deployed to the vendor or seller within 1–4 weeks.
Planning Your Equipment Financing Terms
Terms vary by equipment type, age, and credit profile, but current market ranges give a useful benchmark for planning a transaction.
Tzortzis Capital evaluates and arranges capital placements. Independent capital providers determine eligibility, pricing, documentation and closing timing. Published ranges are indicative, not approvals or commitments.
Why Operators Look Beyond Their Bank for Equipment Financing
Traditional banks tend to underwrite equipment transactions the same way they underwrite everything else — years of tax returns, tight covenants, and slow committee timelines. That process rarely fits the pace of a construction bid deadline, a manufacturing order, or a fleet expansion that needs to move now.
Off-bank capital sources — equipment finance companies, private credit funds, and asset-based lenders — are built to underwrite the equipment itself, not just the balance sheet. That means faster decisions, more flexible structures for newer or credit-challenged operators, and financing options for specialized or used equipment that banks often won't touch. Working with a placement partner who already has relationships across that landscape means your deal reaches the right capital source the first time, instead of collecting declines along the way.
Frequently Asked Questions
The questions operators most often ask before financing equipment.
Equipment financing is capital structured specifically to acquire or unlock value from business equipment — the machine itself typically secures the transaction. We evaluate your equipment purchase or existing fleet, then identify and structure the right facility with capital partners suited to that asset class, keeping working capital lines untouched.
Tell Us About Your Equipment Need
Submit your equipment financing request and we'll respond within 24–48 hours with indicative structure and next steps.