Services/Equipment Financing

Equipment Financing | Fund the Equipment Your Business Needs

Equipment financing provides the capital to acquire, upgrade, or repair the equipment your business depends on — vehicles, machinery, kitchen and shop equipment, diagnostic tools, or technology — without draining your cash reserves. Y Millennial Funding offers equipment financing both directly and through our network of lending partners, plus fast revenue-based funding for businesses that need the equipment working sooner than a traditional equipment loan allows. We serve businesses doing $25,000 or more in monthly revenue and can approve on the strength of your bank deposits rather than credit score alone, so you can move quickly when a machine fails or an opportunity requires new capacity. Eligible applications get same-day decisions and funding within about 24 hours of a signed agreement. We''ll match you to the right structure for your situation. Not all applicants qualify.

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How It Works

You apply with basic business details and recent bank statements. We evaluate your needs, revenue, and credit, then match you to the right structure — equipment financing we provide directly, a facility through one of our lending partners, or a fast revenue-based advance — and walk you through the terms. On approval, funds or financing are arranged so you can purchase, upgrade, or repair the equipment and put it to work, often within about 24 hours for the revenue-based route.

Who It's For

Businesses doing $25,000+ in monthly revenue that need equipment to operate or grow — auto and repair shops, restaurants, contractors, manufacturers, medical practices, and trucking and delivery operators — especially when speed matters or a bank has declined them.

Key Benefits

Multiple paths — traditional equipment financing (direct or through partners) and fast revenue-based funding; approval that can weigh revenue rather than credit score alone; speed when downtime is costly; and structures to fit different needs, including revenue-based advances with no lien on the equipment.

Common Uses

Purchasing new or used equipment, upgrading to add capacity, emergency repairs and replacements, diagnostic and technology tools, and vehicles for delivery or service fleets.

Qualification

Around $25,000+ in monthly revenue, several months in business, and consistent deposits. Credit is not the primary factor; bankruptcies, judgments, prior defaults, and active tax liens remain material to underwriting.

Repayment

Depends on the structure you choose: traditional equipment financing carries scheduled payments and may be secured by the equipment, while a revenue-based advance is repaid through a daily or weekly ACH remittance that scales with your deposits and carries no equipment lien. We''ll match you to the option that best fits your cash flow.

Why Banks Fall Short

Bank equipment loans require credit checks, down payments, and asset appraisals and can take weeks — too slow when a critical machine fails. Because we offer equipment financing both directly and through partners, plus a fast revenue-based option that can fund in about a day with no equipment lien, we can get the equipment working sooner and serve businesses banks would decline.

Frequently Asked Questions

Common questions about equipment financing.

Helpful Tools

Free resources to help you understand and plan your merchant cash advance.

Eligibility Checker

5-minute pre-qualification assessment with no credit pull.

MCA Calculator

Estimate payments, factor-rate cost, APR, and term length.

Stacking Calculator

Analyze capacity for multiple MCA positions.

How MCA Works

Learn the mechanics and process.

MCA Disclosures

Important terms and information.

Industries We Fund

Funding by Location

Related Services

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