Small businesses looking to finance an equipment purchase face a different set of options from large corporations. The rates are different. The documentation requirements are different. The lender types that actually want to do the deal are different.

What is often the same is the fundamental logic: the equipment being purchased is both the asset enabling the business's revenue and the security for the loan. That logic makes equipment purchase financing more accessible for small businesses than most other forms of commercial lending, even when trading history is limited.