Equipment Financing

Boost operational efficiency with the right equipment.

Enjoy flexible funding plans to secure the equipment necessary for your business operations to thrive.

  • No down payment required

  • Flexible repayment plans

Apply now

Purchase essential equipment with a simple financing solution.

Power your business with the tools you need to grow. Our equipment financing helps you purchase essential assets – whether you're outfitting a medical, dental, or veterinary practice, upgrading construction equipment, or investing in commercial vehicles, phone systems, or IT infrastructure.

Application-only process

A quick, application-only process for transactions up to $200,000 for existing U.S. Bank customers.

Save on working capital

No down payment is required with terms from 24 to 60 months. Simplify payments and include up to 25% of additional costs in the agreement, such as installation, tax and freight.

Flexible payment options

Structure payments based on your business’ cash flow receivables (quarterly, semi-annual or annual).

Quick credit decisions

With a $375 origination fee, you can get a fast-track on credit decisions for financing amounts up to $200,000.

Get started with our simple online application.

Have your business and personal information ready, including your:

  1. Tax ID number
  2. Gross annual sales information
  3. Date business was established
  4. Estimated price and description of the equipment you want to finance
Apply now

U.S. Bank is able to provide capital in multiple forms to meet the borrowing needs of our customers, whether it is a mortgage to buy new property, revolving lines of credit for operating needs or assistance buying new equipment.

Michael Bahl, U.S. Bank business banking relationship manager

Frequently asked questions

You can finance a wide range of business-critical equipment, including:

  • Manufacturing and construction equipment
  • Medical, dental, and veterinary equipment
  • Commercial vehicles
  • Office furniture, phone systems, and IT hardware/software.

Speak with our Manufacturing Vendor Services team today.

Equipment financing helps businesses acquire essential tools – such as medical devices, construction machinery, or IT systems – without large upfront costs.

You can finance new or used equipment across industries, including healthcare, construction, agriculture, automotive, manufacturing, personal services, professional services and retail.

We will work one-on-one with you to help create a seamless experience. Through a generally quick credit decision, collecting necessary information, electronic signing ability and funding your vendor directly – we provide ease and simplicity to keep your business running smoothly.

Manufacturing Vendor Services is a specialized division within U.S. Bank Equipment Finance that focuses on providing flexible and competitive financing solutions for manufacturers. It helps businesses acquire, lease, or refinance manufacturing equipment, including metal cutting, fabrication, plastics, woodworking, and packaging machinery.

An Equipment Finance Agreement (EFA) is used to document a type of lending in which the lender (‘Secured Party’ in the EFA) pays for the financed equipment up front, and the borrower (‘Customer’ or ‘Debtor’ in the EFA) pays the lender over the term of the EFA.

The borrower holds title to the equipment and grants the lender a security interest in the equipment to help protect the lender’s interest in, and to secure repayment of, the EFA. An EFA uses streamlined documentation and is not structured like a traditional interest-bearing loan. The EFA calculates the payment by adding the total amount financed plus a finance charge divided into equal payments.

The EFA is a non-cancelable agreement and may not be prepaid except as otherwise specifically provided for in the EFA.

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Disclosures

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

Financing maximums and terms are determined by borrower qualifications and use of funds.

For any deferred or promotional payment period, interest accrues and is amortized over the remainder of the term and outstanding balance.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

U.S. Bank is not a tax or legal advisor. When it is appropriate, you are encouraged to seek professional tax and/or legal advice.