7 Best Equipment Leasing Companies for 2025

National Funding stands out as an online equipment financing option for startups and borrowers with bad credit — provided they have strong revenue. This lender offers equipment loans or leases for new and used equipment, and unlike some equipment lenders, doesn’t require a down payment. Funding can be available in as little as 24 hours.

• Minimum credit score: 600.
• Minimum time in business: Six months.
• Minimum annual revenue: $250,000.

Triton Capital stands out as an online equipment lender for borrowers with lower credit scores. Triton Capital can finance new or used equipment in a variety of industries. The lender offers competitive interest rates, long repayment terms and flexible payment options. You may be able to get approved and receive funding in as fast as one business day.

• Minimum credit score: 580.
• Minimum time in business: 24 months.
• Minimum annual revenue: $150,000.

JR Capital stands out as a specialized equipment financing lender that can fund equipment in a variety of industries. The lender offers competitive rates and repayment terms, as well as flexible payment options. JR Capital also has higher funding maximum than other online competitors and doesn’t require a down payment.

• Minimum credit score: 620.
• Minimum time in business: Typically 24 months, but can prioritize industry experience in some cases.
• No minimum annual revenue requirement.

Taycor Financial stands out as an equipment leasing option for borrowers with lower credit scores. The lender offers flexible leases with customizable terms, structures and even payment deferral options. You may even be able to access savings if you pay your lease early. Taycor also provides multiple ways for you to purchase your equipment at the end of your lease.

• Minimum credit score: 550.
• Minimum time in business: Typically two years, but Taycor has a new business program for companies with less than two years in operation.
• Minimum annual revenue: $100,000.

First Citizens Bank offers customizable equipment financing that can be structured to meet your individual tax or accounting needs. The bank provides up to 100% financing for both new and used equipment — and can fund equipment loans or leases faster than other bank lenders.

• Minimum credit score: 640.
• Minimum time in business: Two years.
• Minimum annual revenue: Undisclosed.
• Must have a tax identification number.

Crest Capital stands out as a fast and flexible online equipment leasing company for established businesses. The lender offers several different options for leases and can finance almost any type of new or used equipment. Crest can fund applications in as little as 24 hours. You’ll need good credit and multiple years in business to qualify.

• Minimum credit score: 650.
• Minimum time in business: Two years.
• Minimum annual revenue: Undisclosed.
• Must be a profitable company with no previous bankruptcies.

Wells Fargo offers a range of financing and leasing options for more established businesses that want a personalized lending experience. Through its commercial financing division, Wells Fargo can fund vehicles, equipment, technology and aircrafts, as well as solar and marine initiatives. To get one of these products, you connect with a Wells Fargo equipment financing professional and talk to them about your business needs.

• Wells Fargo does not specify qualification requirements on its website, but like all bank financing products, you’ll likely need to meet strict eligibility criteria to qualify.