Equipment Financing in Lexington-Fayette.
Fund machinery, tools, and vehicles with the equipment as collateral. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.
- Amount
- $10,000 to $5,000,000+.
- Term
- 24 to 84 months, matched to useful life.
- Best for
- Any business buying titled or serialized equipment.
- Coverage
- Fayette + Bluegrass
Locally rooted
Based on Harrodsburg Road in Lexington.
Advisor-led
Real people who guide you through every option.
Wide lender network
Access to bank, SBA, and alternative funders.
Transparent process
Clear terms — no payday-style shortcuts.
The program
What equipment financing actually is
Equipment financing is a loan or lease secured by the equipment itself. Because the equipment is collateral, approvals are typically faster and less credit-dependent than an unsecured term loan, and the structure often includes 100% financing plus soft costs.
Who it fits in Lexington-Fayette
- Kentucky trucking operators adding tractors and trailers
- Manufacturers and machine shops replacing CNCs
- Contractors buying excavators, skid steers, and support vehicles
- Medical and dental practices adding imaging or chairs
Common uses
- New and used equipment purchases
- Vehicle and trailer financing
- Technology and software (through certain lessors)
- Refinance of existing equipment loans
What lenders review
Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:
Advisor-led, not order-taker.
We compare loan vs. lease vs. EFA structures for your tax situation, and we know which lenders specialize in used, private-party, or auction-purchased equipment.
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SBA 7(a) Loan
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Business Line of Credit
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