Equipment Finance

Bremen Capital arranges equipment loans, leases, and sale-leaseback financing nationwide — construction, agriculture, medical, transportation, manufacturing, and specialized industrial equipment. This is where our 20 years in the industry started, and it's still what we do the most.

We work as a broker, not a single lender, which means you're not stuck with one company's credit box. We match your deal to the right fit from a network that spans bank-rate programs for established businesses, alternative lenders for startups and credit-challenged borrowers, and specialty shops that understand niche equipment. New or used, one machine or a full fleet — we structure it and shop it until we find the best fit.

Deal sizes run from $50,000 to $25 million-plus, and we finance businesses in every state, not just a handful of markets.

Frequently Asked Questions

How fast can I get an equipment loan approved?

Straightforward deals with complete financials can get a term sheet in 24-48 hours. More complex transactions — specialized assets, larger dollar amounts, or thinner credit files — typically take a few days longer while we structure the right lender match.

What credit score do I need for equipment financing?

There's no single cutoff. We work with lenders across the credit spectrum, from bank-rate programs for strong borrowers to alternative structures for startups and credit-challenged businesses. The asset itself, cash flow, and down payment all factor into approval.

Can I finance used equipment, not just new?

Yes. Most of our lender network finances new and used equipment, including private-party sales, auction purchases, and sale-leaseback of equipment you already own.

What's the difference between an equipment loan and a lease?

A loan gives you ownership from day one with the equipment as collateral. A lease can offer lower payments and end-of-term flexibility (purchase, return, or upgrade). We'll walk through both structures against your tax and cash flow situation.

What makes Bremen Capital different from other equipment finance companies?

Most equipment finance companies are a single lender with one credit box — if your deal doesn't fit, you get declined. Bremen Capital is a broker with 20 years of lender relationships, so we place your deal with whichever company in our network actually has an appetite for your industry, credit profile, and equipment type, instead of forcing your deal to fit one company's rules.

Can a startup get an equipment loan?

Yes. Startups and newer businesses can qualify for equipment financing, though the structure usually looks different than for an established company — expect a larger down payment, a personal guarantee, or a lender that weights the equipment's resale value more heavily than time in business. We work with several lenders who specialize in startup and early-stage equipment deals.

Do you work with small businesses, or only large companies?

The large majority of our deals are small and mid-sized businesses — a single truck, one piece of machinery, or a small fleet. Deal size starts at $50,000, and we structure financing the same way whether it's your first piece of equipment or your fiftieth.

Do you finance construction, farm, or heavy equipment?

Yes. Construction equipment (excavators, loaders, cranes), agricultural and farm equipment, and heavy industrial machinery are some of the most common assets we finance, alongside transportation and specialized equipment.

Do you finance medical equipment?

Yes — medical and healthcare equipment financing is one of our core categories, from imaging and diagnostic equipment to in-office technology for medical, dental, and veterinary practices.