Equipment Financing for New & Used Equipment

Loans, leases and the difference that actually matters

A loan builds ownership and typically ends with you owning the equipment. A lease is a use-of-asset agreement that often lowers the monthly payment and may include maintenance or an upgrade path. Neither is automatically cheaper — it depends on how long you keep the equipment and how the payment fits your cash flow.

Frequently asked questions

Who is eligible to request equipment financing?

U.S. businesses buying equipment for commercial use can submit a request. We do not arrange consumer loans. Eligibility for any financing depends on the lender and your business's qualifications.

Can I finance used equipment?

Often, yes. Many lenders finance used equipment, but age, condition, seller type and valuation can affect whether a specific machine or seller qualifies.

What documents might I need?

Our request form asks for no documents. If you move forward, a lender may ask for items such as an equipment quote or invoice, bank statements, business tax returns or financial statements. Requirements vary by lender.

Do I need a down payment?

It depends on the lender, the equipment and your business. Some financing may require money down and some may not. The lender sets this.

Will submitting a request affect my credit?

Our pre-qualification form asks you to choose a self-reported credit range and does not ask for your Social Security number. Submitting it does not by itself trigger a credit inquiry; any credit check needs your separate authorization and is done by the financing provider.

Are you a lender?

No. Ai Loan Brokerage LLC is a commercial financing intermediary and equipment loan broker. We are not a direct lender, and we do not make credit decisions.

Can approval be promised before a lender reviews my request?

No, and we will not claim it. Commercial equipment financing normally involves a credit review of the business and often of the owner.

Does submitting a request affect my credit?

Submitting a pre-qualification request is not an application decision and is not an approval, offer or commitment to lend. A financing provider may later run its own review as part of its process.

What equipment can be financed?

Business equipment across many industries, new or used. Common categories include construction machinery, agricultural equipment, trucks and trailers, medical devices, manufacturing and CNC machines, warehouse equipment and technology infrastructure.

How long does it take?

We do not publish a funding timeline, because it depends on the provider, the file and the equipment. What we can say is that a complete file with an itemized quote moves faster than an incomplete one.