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244 Biscayne Blvd | Miami, FL 33132

Commercial Equipment

You Bring The Equipment.
We'll Raise The Capital.

When you need equipment, but don’t have the cash (or don’t want to spend it), our equipment funding and capital raising programs are the way to go. With options from $10K - $50M, getting your equipment can be as easy as 1-2-3.

No minimum credit score required. See how much you qualify for in 60 seconds with no impact to your credit and no commitment.

(without impacting your credit score)†


We have equipment financing and leasing programs for all credit types, all industries, and even for startups and pre-revenue businesses.
Explore all the ways our 100% financing programs can simplify your equipment needs—from heavy equipment to office equipment, and everything in between—totally affordable, and completely doable. Below are some of our most popular industries.

How To Apply For Funding Online.

When it comes to financing options, applying online with NOI Capital is a breeze—and with low rates and large amounts, even the math is easy.


Find the rate that you qualify for by completing a 60 second application with no commitment.

Complete your application

When you’re ready, complete your online financing application with help from NOI Capital funding specialists.

Receive your funds.

Sign your documents and funds will be wired to the vendor—as soon as the same day in most cases.*

(without impacting your credit score)†

Dozens of Equipment Financing Programs


Interested in financing but don't know what type of equipment you're going to purchase yet? Getting pre-approved for financing is the perfect option for you. When you apply, NOI Capital will give you a monthly payment estimate, maximum lease amount, end-of-term options, and other details to help better understand what you're getting into off the bat. A pre-approval is not a commitment to enter into an agreement by any party. Know what you can afford and search for the best possible equipment to fit your business needs.

(without impacting your credit score)†


Are you interested in owning your equipment at the end of its lease? We design your Lease‑to‑own plan with ownership in mind. Often, people assume their purchase option is in addition to the total cost of their equipment. In reality, a purchase option lowers your monthly payment and out‑of‑pocket costs. Lease‑to‑own makes it easy to boost your revenue stream with a low monthly payment. Work with NOI Capital and explore buyout options as low as $1.

(without impacting your credit score)†


A Fast & Easy Way to Get Funds.

Did you pay for equipment, but wish you still had that cash to invest in your business? A sale-leaseback enables you to use that equipment as collateral for a loan. The best part? You get the cash you need while continuing to use your equipment to generate revenue.

(without impacting your credit score)†

Used Equipment

There's a common misconception that obtaining financing options can be difficult or impossible when purchasing older or used equipment. At NOI Capital, we help you get the best equipment you need to get your business running and revenue flowing. Our flexibility, industry experience, and vast array of financing options can help you save money when choosing which program is right for you. We make sure to offer you the best financing flexibility with a monthly lease payment and term length that works best for your needs.

(without impacting your credit score)†

100% Financing

Want to reap the rewards of your equipment with no money down?
Receive your equipment without any down payment. Immediately put your equipment to work and expand your operations even more.

(without impacting your credit score)†

Lower Rate Options

Let The Numbers Speak For Themselves By Checking Your Funding Rates.

Get a more precise estimate of how NOI Capital could save you money with equipment financing & leasing options—our funding calculator is just a click away.

Real Clients Getting Real Results.

"We're on track to double our revenue by the end of the year."

I turned to NOI Capital. I took out a loan, I paid off revolving debt and invested in marketing and hiring. I’m now on track to double our revenue by the end of the year. I’m really excited about that.

Mark Batista

Small Business Owner

The savings and experiences of members herein may not be representative of the experiences of all members. Savings and business growth are not guaranteed and will vary based on your unique situation and other factors.

Equipment Financing & Leasing FAQs

We offer financing and leasing options for a wide range of equipment, including machinery, vehicles, technology, medical equipment, and more. Please contact us to discuss the specific equipment you need for your business.

To apply for equipment financing or leasing, please complete our online application form or contact our customer support team. We will require basic information about your business, your credit, and the equipment you wish to finance or lease.

Interest rates and terms vary depending on the type of equipment, the lease structure, your credit profile, and the length of the financing or leasing term. We will provide a customized quote based on your specific situation.

Down payment requirements depend on the specific financing or leasing program. Some programs may require a down payment, while others offer 100% financing. We will discuss the options available to you during the application process.

Yes, we do provide financing and leasing options for both new and used equipment. However, the age and condition of the equipment may affect the terms and rates offered.

A capital lease is a long-term lease that transfers ownership of the equipment to the lessee at the end of the lease term. An operating lease is a short-term lease that does not transfer ownership and typically includes maintenance and repair services.

Equipment financing and leasing are financial solutions that help businesses acquire necessary equipment without paying the full upfront cost. Financing involves taking a loan to purchase the equipment, while leasing involves renting the equipment for a specified period – often with options to own the equipment once the lease is paid off.

We will typically evaluate your credit score, income, and debt-to-income ratio, among other factors. There is no minimum credit score required to secure equipment financing with us, but lower scores could affect your eligibility, terms, or rate—depending on your file. We work with businesses with various credit profiles and can discuss your options during the application process.

At the end of an equipment lease, you typically have the option to return the equipment, purchase it at fair market value, lease to own options as low as $1, or extend the lease terms. The specific options available to you will depend on the type of lease agreement.

Yes, many of our financing & leasing programs allow you to upgrade or add equipment during the term. Please contact our customer support team to discuss the options available to you.

Typically, for application only files the minimum amount you can borrow is $1,000 and the maximum is $500,000. If you have an active business with bigger equipment financing needs you may qualify for up to $50 million through our commercial financing programs.

To check the rates and terms you qualify for, NOI Capital conducts a soft credit pull that will not affect your credit score.

Equipment financing and leasing may offer tax benefits, such as deductions for interest expenses and depreciation. We recommend consulting with a tax professional to understand the specific tax implications for your business.

Yes, we understand the unique challenges that startups and new businesses face and offer financing and leasing programs tailored to their needs. Please contact our customer support team to discuss your specific situation and the solutions available to you.

Apply for Financing & Leasing in Seconds.

Speed matters. Which is why you can get a response on your application—in literal minutes.

(without impacting your credit score)†