For small businesses looking to expand assets without depleting working capital, equipment financing companies that offer low or no down payments can make growth far more accessible. SmartBiz streamlines SBA-backed equipment loans for businesses with strong credit and cash flow, while Funding Circle pairs government-backed financing with personalized account management across multiple financing structures. Biz2Credit’s business term loan offers up to $2 million for qualifying borrowers with minimal upfront costs. Fora Financial stands out for speed: financing is approved in hours and funded within 24 hours, ideal for urgent equipment needs. National Funding keeps it simple with no down payment requirements and a lowest payment guarantee on leases. Kapitus can finance 100% of equipment costs for established businesses without documentation or credit checks under $500K. Cardiff rounds out the list with performance-based underwriting, flexible repayment structures, and the ability to roll soft costs, such as installation and training, directly into the financing agreement.
source: https://working-capital.com/articles/7-equipment-financing-companies-without-large-down-payments/
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