Financing at the speed of business.
Faster than banks. Simpler than the rest. Equipment funded in hours, not weeks — for the businesses that run on it and the vendors who sell it.
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Ready to see your financing options?
Reputation profiles & industry resources
One clear path for both sides of the equipment sale.
Whether you are helping a customer close or preparing your own business for its next stage, the financing should make the purchase easier to complete.
For equipment vendors & dealers
Bring a practical payment option into the sales conversation, keep qualified buyers moving, and get paid when the transaction funds.
For business owners & CFOs
Acquire the equipment your team needs while preserving cash, choosing predictable terms, and keeping the purchase aligned with your operating plan.
Build a financing snapshot in three quick steps.
Choose the equipment category and amount, then see an illustrative monthly range before requesting a conversation. Completing this contact request does not authorize a credit pull.
Select Your Industry
Start with the category that best matches the equipment purchase.
Amount Needed
Adjust the amount to reflect the estimated equipment invoice.
Your planning range
Capital that works around your operating plan.
Preserve cash, get essential equipment in place, and choose a structure aligned with how your business earns.
Application-only financing up to $500,000
Move ahead without financial statements on qualifying transactions, with approvals designed to keep a time-sensitive purchase moving.
Keep cash in the business
No down payment means working capital stays available for payroll, inventory, and growth.
Match payments to timing
Choose from 12–72 month terms and ask about deferring payments for up to three months.
Plan around Section 179
Get guidance on financing structures that may support your tax strategy. Confirm eligibility with your tax advisor.
Estimate the potential first-year tax impact.
Section 179 may let eligible businesses deduct qualifying equipment in the year it is placed in service, including some financed purchases.
Section 179 Tax Savings Calculator
Enter the equipment cost and an estimated marginal tax bracket to create a simple planning estimate.
Illustrative estimate assumes the full entered equipment cost is eligible and deductible and that sufficient taxable business income is available. Limits, phase-outs, bonus depreciation, state treatment, and eligibility rules may change the result. Consult your tax advisor before making a purchase or tax decision.
See what a monthly range could look like.
Adjust equipment cost and term to create an illustrative planning range before speaking with a financing specialist.
60-month illustrative term
Terms shown are for illustration purposes only. Actual final approved terms vary by credit, equipment, and size of transaction. Additional information may be required. This is not a commitment to lend, a credit approval, or a binding offer.
Built around the equipment behind the business.
Explore eight focused industry page previews, including the new Food Manufacturing & Packaging Equipment page.
Audiovisual Equipment
LED walls, production systems, audio, lighting, and integration.
WISP / Wireless ISP Equipment
Radios, towers, backhaul, networking, and customer equipment.
CNC Machines
Mills, lathes, automation, tooling, and support equipment.
Office Furniture
Desks, seating, workstations, storage, and conference rooms.
Test & Measurement Equipment
Analyzers, scopes, calibration, metrology, and lab systems.
Food Manufacturing & Packaging
Processing, filling, sealing, labeling, inspection, and conveyors.
Technology & IT
Servers, storage, networking, security, and workstations.
Church Financing
Audio, video, lighting, seating, security, and facility equipment.
From equipment quote to a clear decision.
A responsive process that respects the speed of small business.
Share the equipment and goal
Tell us what you are buying, the timing, and what matters most in the structure.
Review the options
Compare practical term and payment choices with a financing specialist.
Put the equipment to work
Complete documentation, coordinate with the vendor, and move forward.
Make financing part of the way you sell.
Give customers a practical payment path at the point of decision, while your team stays focused on the equipment and the relationship.
See the deal structure at a glance.
Quantified profiles make it easier to understand the equipment, financing need, timing, and intended outcome.
CNC machinery for a Midwest machine shop
- Review target
- Same business day
- Structure
- Zero down
- Goal
- Add production capacity
Food packaging line for a regional producer
- Review target
- 24 hours
- Term profile
- 60 months
- Goal
- Increase throughput
Test instruments for an engineering lab
- Review target
- Same business day
- Structure
- Application only
- Goal
- Meet project timing
Wireless network equipment for a WISP expansion
- Review target
- 48 hours
- Term profile
- 72 months
- Goal
- Expand service area
Know the basics before you call.
Every transaction is different. These answers make it easier to identify the right questions for your business.
Start with a five-minute conversation.
Talk through your equipment, timeline, and financing priorities with First Option Capital.
Let’s talk about what your business needs next.
First Option Capital, Inc., 1 Wrigley, Irvine, CA 92618.