Finance the Equipment Your Business Needs to Grow & Expand.
$25K–$25MM+ in Equipment Financing
New & used equipment. Up to 100% financing. Approvals in as little as 24–48 Hours, with one predictable monthly payment.
7-10 days
Approval Time
Soft Pull
No Credit Impact
Up to 100%
Financing
24–84 mo.
Flexible Terms
🔒 Your information is secure and never sold. By submitting, you agree to be contacted about financing options.
Two Divisions. One Standard: Verified Transactions
Moniphy facilitates high-value B2B transactions across two verticals — with the same due-diligence discipline applied to every deal.
🏗️
Equipment Finance
Financing for new & used business equipment, fast approvals and one predictable monthly payment.
✓ $25K to $25MM per transaction
✓ Approvals in 24–48 hours
✓ Up to 100% financing, soft credit pull
🛢️
Energy & Commodities
Brokering crude oil and refined petroleum products between verified buyers & sellers worldwide.
✓ EN590 Diesel · Jet A1 · Gasoline · Fuel Oil
✓ Brent · WTI · Bonny Light · Arab Light
✓ 25,000–500,000 MT · Verification-first, always
500+
Equipment Types
92.6%
Approval Rate
$25MM+
Max Per Transaction
7 Days
Average Approval
Smarter Equipment Financing for Growing Businesses
Buying equipment outright ties up the cash your business runs on.
Financing keeps your capital working while the equipment pays for itself;
one fixed monthly payment, terms from 24 to 84 months, and you own it at the end.
➤ Fixed, predictable monthly payments; no daily remittances
➤ The equipment itself is the collateral
➤ Section 179 tax deduction on qualifying equipment
➤ Build business credit with every on-time payment
*Confirm current-year Section 179 limits with your accountant.
💵 Keep Your Cash Working
Preserve working capital for payroll, inventory, and marketing instead of sinking it into a depreciating asset.
🔧 The Equipment Is the Collateral
No blanket liens on your other assets — and no personal real estate at risk in most cases.
🔑 You Own It at the End
Choose an equipment loan or $1-buyout lease and own it outright — or an FMV lease for the lowest payment.
Not a Fit for Equipment Financing?
If the deal doesn't qualify — or you need working capital beyond the equipment cost — our revenue-based funding can still get you $50K–$25MM in 24–72 hours, with approvals based on cash flow, not credit.
⚡
Fast Approvals
Decisions in 24–48 hours, not weeks
📊
Flexible Structures
Loans, $1-buyout, FMV leases, sale-leasebacks
🤝
Direct Vendor Payment
We pay the seller — you get to work
🛡️
Soft Credit Pull
See your options with zero score impact
If It Drives Revenue, We Can Finance It
New or Used. Dealer or Private-Party Sale. Auction Purchases Welcome.
🚜
Construction & Heavy
Excavators, loaders, cranes, dozers
🚛
Trucks & Trailers
Semi-trucks, box trucks, fleets
🍽️
Restaurant & Food
Ovens, refrigeration, POS systems
🏥
Medical & Dental
Imaging, chairs, lasers, lab equipment
🏭
Manufacturing
CNC machines, presses, forklifts
💻
Technology & Office
Servers, computers, software
🏋️
Fitness, Salon & Spa
Gym equipment, chairs, treatment beds
🌾
Agriculture & Landscaping
Tractors, mowers, irrigation
Equipment Financing Basics
Transparent Terms. No Factor Rates, No Daily Remittances — Just Straightforward Financing.
Amounts & Terms
$25K – $25MM per transaction with flexible terms from 24 to 84 months.
Rates
Competitive fixed rates based on your credit, time in business, and equipment type — quoted upfront, no surprises.
Structures
Equipment loans, $1-buyout leases, FMV leases, and sale-leasebacks — unlock cash from equipment you already own.
Up To 100% Financing
Soft costs like delivery, installation, and training can be rolled into the financing.
New, Used or Refinanced
Finance equipment from dealers, private sellers, or auctions — or refinance equipment you already own.
Soft Credit Pull
Checking your options won't impact your credit score. A hard pull only occurs if you proceed with funding.
How Equipment Financing Works
From Application to Funded in Three Easy Steps.
Apply in 5 Minutes
Tell us about your business and the equipment you need. An invoice or quote helps, but isn't required to start.
Get Approved in 24-48 Hours
We shop your deal across our lender network to find the best rate, term, and structure for your situation.
We Pay the Vendor Directly
Your equipment ships, you put it to work generating revenue, and you make one predictable monthly payment.
What We Need to Get You Funded
A Short, Simple List — No Stacks of Paperwork, No Weeks of Waiting.
➤ 2+ years in business preferred — startup programs available for strong credit
➤ 600+ FICO for best rates — programs available down to 550
➤ Last 6-12 months of business bank statements
➤ Equipment quote or invoice — or just tell us what you're buying
➤ A completed and signed application
➤ Bank turndowns welcome — tax liens & prior bankruptcies reviewed case-by-case
Not Qualify? There's a Backup.
If equipment financing isn't the right fit, our revenue-based funding program may still get you capital; approvals are based primarily on your business's cash flow rather than your credit score, with funding in as little as 24–72 hours.
One application. We'll always show you the best option you qualify for first.
Industries We Serve
Specialized Programs for Asset-heavy Businesses — and Dozens More Industries Beyond These.
🚜 Construction
🚛 Trucking & Logistics
🏭 Manufacturing
🏥 Healthcare & Medical
🍽️ Restaurants
🌾 Agriculture
🏋️ Fitness & Gyms
🔧 Auto Repair
💆 Salons & Spas
🏗️ Contractors
💊 Pharmacies
🏪 Retail
🦷 Dental Practices
🧰 HVAC & Plumbing
🍺 Breweries & Distilleries
Business We've Funded
Real Deals, Real Equipment, Real Growth.
$380K
Dump Truck Fleet - TX
Equipment Loan
$145K
Restaurant Kitchen Build-Out - FL
Equipment Lease
$920K
CNC Machining Line - OH
Equipment Financing
$75K
Dental Imaging Equipment - AZ
$1 Buyout Lease
$250K
Excavator & Attachments - GA
Equipment Financing
$110K
Owned Equipment Sale-Leaseback — NV
Sale-Leaseback
$640K
Semi-Truck Fleet Expansion — GA
Equipment Financing
$95K
Craft Brewery Canning Line — CO
Equipment Lease
$1.2M
MRI & Imaging Suite — FL
Equipment Loan
$3.2M
Tractor & Harvest Equipment — IA
Equipment Loan
$180K
Full Gym Build-Out — TX
$1 Buyout Lease
$88K
Auto Shop Lifts & Diagnostics — MI
Equipment Financing
Get Your Equipment Financing Quote Today!
Approvals in 24–48 hours. No obligation — and no impact on your credit to apply.
Prefer to talk? Call a live financing specialist at 1-800-390-1564
Equipment Finance · Energy & Commodities
Privacy Policy | Terms and Conditions
Copyright © 2026 | Moniphy LLC | All Rights Reserved
Equipment financing is provided through Moniphy's network of lending partners. All applications are subject to credit approval and program guidelines. Rates, terms, and structures vary by applicant qualifications and equipment type. Revenue-based funding products are not loans and are subject to separate terms. Section 179 deductibility depends on current IRS limits. Consult your tax advisor.