Need equipment financing?
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0% Down Payment for 620+ FICO
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Start-Up Long-Haul Trucking (no fleet size minimum)
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No Minimum Time in Business
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**Soft Credit Pull **Underwriting (doesn’t affect your score)
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Application Only Funding < $350K
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Most Industries & Equipment Considered!
What equipment financing is
Equipment financing is a loan or lease used to acquire business assets — machinery, trucks, trailers, tools, and technology — where the equipment itself secures the debt. Because the asset is the collateral, approvals lean on the equipment’s value and your business cash flow rather than a large down payment, so you keep working capital free for payroll, materials, and the next job.
For real estate investors and contractors, that means buying the excavator, dump truck, or HVAC fleet you need to take on bigger projects without tying up the cash you’d otherwise deploy into deals.
What we finance
- Construction and heavy equipment — excavators, skid steers, bulldozers, loaders, compactors
- Commercial trucks and trailers — long-haul tractors, box trucks, dump trucks, service vehicles
- Trade and shop equipment — HVAC, electrical, plumbing, welding, and fabrication tools
- Technology and software — point-of-sale, fleet telematics, and back-office systems
- New and qualifying used equipment, including vendor and private-party purchases
How the terms work
Most deals run 6%–14% depending on credit, equipment type, and term length, with repayment schedules of 2–7 years matched to the asset’s useful life. Application-only funding (no full financial package) is available under $350K; larger requests use a streamlined documentation package. Many borrowers also pair financing with Section 179 and bonus-depreciation planning to offset a meaningful share of year-one cost — confirm specifics with your CPA.
Financing vs. paying cash
Paying cash for equipment depletes the reserves you need to weather slow seasons and pounce on opportunities. Financing preserves liquidity, builds business credit, and lets the equipment earn while you pay for it. Structured well — seasonal or step-up payments aligned to your revenue cycle — the monthly cost is covered by the additional work the equipment makes possible.
When your projects also need property capital, pair equipment financing with fix and flip or DSCR rental programs to fund the whole operation.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.
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Jaken Finance Group, 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196