Lucaria · Products · Equipment Financing
$100K – $20MEquipment Financing
Finance the machinery, vehicles, or technology your business runs on — the equipment itself secures the deal, so terms are competitive and closing is fast.
Who it’s for
- Businesses buying or upgrading equipment.
- Owners who want to preserve cash instead of paying sticker price.
- Companies scaling production capacity.
- Anyone replacing aging assets before they fail.
Why Lucaria
- The asset is the collateral — competitive rates.
- Fast approvals, often within days.
- Structures that match the equipment’s useful life.
- New and used, single unit or full fleet.
Common questions
Equipment Financing, answered straight.
- What secures an equipment loan?
- The equipment itself is the collateral, which keeps rates competitive and closing fast — you are not pledging the rest of the business.
- Can I finance used equipment?
- Yes — new or used, a single unit or a full fleet.
- How long are the terms?
- Structured to match the equipment’s useful life, so you are not still paying for a machine after it has been retired.
- Why finance instead of paying cash?
- To preserve working capital. Financing keeps cash in the business while the equipment is already earning — often the cheaper choice once you account for what that cash could do elsewhere.
No obligation
Tell us what you need.
No credit pull to start. We’ll show you the honest options for equipment financing — and if borrowing isn’t the answer, we’ll say so.