Equipment Financing for USA Businesses Up to $5 Million
Fast approvals. Flexible terms. Serving businesses across all USA states since 2008.
No obligation. Checking rates won’t affect your credit score.
We Finance Every Type of Equipment Across USA
Whether you’re buying, leasing, or refinancing, AFN funds virtually every category of commercial equipment for businesses across the United States.
Medical & Dental
Imaging machines, dental chairs, surgical equipment, lab tools, and diagnostic devices.
Restaurant & Food Service
Commercial ovens, walk-in coolers, POS systems, fryers, and prep equipment.
Technology & IT
Servers, computers, networking hardware, AV systems, and software bundles.
Transportation & Fleet
Semi-trucks, delivery vans, trailers, refrigerated vehicles, and specialty vehicles.
Agriculture & Farming
Tractors, harvesters, irrigation systems, livestock equipment, and more.
Manufacturing
CNC machines, lathes, industrial presses, robotics, and automation equipment.
Built for United States Business
AFN understands the U.S. market. We offer U.S. dollar-denominated financing with terms and programs tailored to American businesses. These are not one-size-fits-all products—they are financing solutions designed specifically for businesses across the United States.
- CAD-denominated financing: no currency conversion headaches
- CCA (Capital Cost Allowance) eligible, with potential tax advantages
- Alternative to big bank timelines, with faster decisions than TD, RBC, and BMO
- All provinces served, from BC to Newfoundland
- Bilingual support available (English & French)
- 24–72 hour funding after approval
Capital Cost Allowance (CCA) Canadian businesses may be able to claim CCA deductions on financed equipment, reducing your taxable income. Ask your accountant how equipment financing can work in your favour at tax time.
Do You Qualify?
Our requirements are designed to help more USA businesses get funded, not fewer.
- 1+ Year in Business
- $15,000+ Monthly Revenue
- 500+ Credit Score
- USA Registered Business
Startups and businesses with lower credit scores may still qualify — ask us about our flexible Canadian programs.
Get Funded in 3 Simple Steps
Apply Online
Complete our short application in about 60 seconds. No financial statements are required for amounts under $250,000 .
Get Approved
Receive a same-day credit decision with clear, transparent terms. No surprises and no hidden fees.
Get Your Equipment
Funds go directly to your vendor. Start using your equipment immediately and put it to work.
Frequently asked questions
What types of equipment can I finance in United States?
Virtually any commercial equipment, including heavy machinery, medical, restaurant, technology, transportation, agriculture, manufacturing, office equipment, and more. Both new and used equipment may qualify.
How fast can I get funded?
Most applications receive a same-day credit decision. Funding typically takes 24 to 72 hours after all documentation is complete, which is often faster than a traditional bank.
What's the minimum credit score?
We work with credit scores as low as 500. The equipment itself serves as collateral, which helps Canadian businesses with challenged credit still qualify.
Do I need financial statements to apply?
For financing under $250,000, many applicants qualify with just a simple application. No T2 tax returns or financial statements are required.
How is this different from going to my bank (TD, RBC, BMO)?
Banks typically take 2–4 weeks and require extensive documentation. AFN decisions come same-day, with minimal paperwork, and we work with businesses that banks often decline.
Can I finance used equipment?
Yes. AFN finances both new and used commercial equipment across Canada. The age and condition of the equipment may affect the available terms and rate.
Can startups or newer USA businesses apply?
Businesses with as little as 1 year of operational history can apply. Newer businesses may need a larger down payment or personal guarantee depending on the lender.
Ready to Finance Your Equipment?
Join Canadian businesses that trust AFN to get them funded fast, from BC to Newfoundland.
