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Can I Get Business Funding

Equipment financing with fair or bad credit

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Short answer: it is often possible, because the equipment itself backs the loan, which lowers the lender’s risk.

Want a quick read on your options? Five questions, no credit pull.

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What helps

  • A down payment
  • Equipment with clear resale value
  • Some time in business

Leasing vs. financing

  • Financing: a loan means you own the equipment at the end
  • Leasing: payments may be lower, but you may not own the equipment at the end

What to watch

Lower credit scores mean higher rates, so compare the total cost of each offer, not just the monthly payment.

Related guides

This guide is general education, not financial, legal, or tax advice. AJV Ventures LLC is not a lender. Lender requirements vary, so confirm terms directly with any lender before you apply.