Acquire Enterprise Equipment Without Burning Through Your Cash Reserves.
Don't let the high cost of heavy machinery, fleet vehicles, medical setups, or specialized technology drain your operating capital. Trifecta Business Group provides customized Equipment Financing and Leasing programs built to preserve your cash flow. We structuralize deals that protect your liquid capital by using the equipment itself as the underlying collateral.
Accommodates unique credit stories Deal sizes up to $250M Flexible leasing options
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
High-Capacity Capital for Any Infrastructure Need
From early-stage startups needing basic hardware to massive commercial enterprises upgrading complex logistics fleets, our equipment desk scales cleanly to handle capital requirements of any magnitude.
Massive Capital Scope
Structuring transactions from $250,000 all the way up to $250,000,000+.
- Strategic Repayment Models
- Fixed 24 to 60-month terms available via optimized capital leases or flexible operating lease formats.
- Preserved Cash
- Keep your liquid bank accounts intact for daily payroll, marketing, and operational agility.
Commercial Equipment Financing & Leasing Estimator
Instantly compare standard commercial loan payments against flexible capital lease structures. Adjust your equipment cost, rate, and term to see monthly payment estimates update in real time.
Deal Parameters
Enter your equipment cost, estimated rate, and preferred term to compare financing structures.
60 months (5 years)
*Calculations are structural estimates. Real rates vary depending on credit profile and underwriting profiles.
Your old equipment isn't free. You're already paying for it.
Owners put off replacing equipment because they compare a monthly payment to zero. That comparison is wrong — and the fix starts with one honest question.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
The hidden bill you're already paying
You pay in repair bills. You pay in the days a machine is down and nobody is working. You pay in rental fees every time you need the thing you don't own. You pay in the jobs you turn down because you can't take on the volume. None of that shows up as a line item called “old equipment,” so it feels free. Ask yourself what you spent on repairs last year — very often it's close to, or more than, what the payment on a replacement would have been. That's the moment the decision gets clearer.
The capacity angle — when the business is healthy
A second truck means a second crew. A bigger machine means the contracts you've been declining. That equipment doesn't just cost money — it produces revenue, and it starts producing on day one while the payment stretches out over years. When you're turning work away, financing isn't an expense. It's how you turn the work you're already leaving on the table into billed revenue.
Fort Wayne, IN · Towing & recovery · 9 years in business · 6 employees · (names changed for privacy)
The situation. The heavy-duty wrecker — the only truck that could recover a box truck, bus, or loaded trailer — lost its transmission mid-recovery on a Sunday night. The rebuild quote came back at nearly half the cost of replacing a truck already past 400,000 miles. For six weeks the owner handed those calls to a competitor one town over, keeping the relationships alive by apologizing. His deposits still looked steady from the light-duty trucks, but the work he never got to bill was what actually hurt. He had been saving toward a second heavy unit anyway, about eighteen months short.
What we did.
- Read nine years of operating history, the deposit pattern across light and heavy work, and what the heavy calls had been worth before the truck quit.
- Ruled out revenue-based financing — it funds in a day, but repayment moves with revenue, and his revenue would be lowest exactly while he rebuilt the call volume he had given away.
- Ruled out a line of credit — a line is built for a gap that comes back every season, and he needed one truck, once, and planned to own it for the next decade.
- Placed him on equipment financing, where the unit itself is the collateral — the money was structured against the wrecker instead of against the cash needed to keep four trucks rolling.
The outcome. He ran his first heavy call on the replacement nine days after he applied. The county never had to go looking for anybody else.
Equipment Financing
- Amount placed
- $75,000
- Timeline
- Decision within 24 hours
Sale-leaseback: pull cash out of equipment you already own
If your machines, trucks, or production equipment are paid off or close to it, that equity is sitting idle. A sale-leaseback converts it into working capital while you keep using the equipment every day.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
How it works
A lender purchases the equipment from your business at an appraised value and leases it straight back to you. You receive a lump sum, keep possession and use of the asset, and make lease payments over the term. At the end you typically buy it back for a nominal amount.
What qualifies
Titled or serialized equipment with real resale value — heavy trucks and trailers, CNC and production machinery, construction and yellow iron, medical imaging, printing, and commercial kitchen build-outs. It should be owned free and clear or carry limited remaining debt that can be paid off in the transaction.
When owners use it
Covering payroll or tax obligations, funding a large job that requires cash up front, buying out a partner, consolidating higher-cost short-term debt, or bridging to a season when receivables land.
What to expect
Advances are based on appraised orderly-liquidation value, not what you originally paid. You'll need the equipment list with serial numbers, proof of ownership, and recent bank statements. Files with clean titles move fastest, generally in the same 3 to 10 business day window as other equipment requests.
Inclusive, Story-Driven Underwriting Standards
We believe a compressed net income on paper shouldn't hold your operational growth back. Our underwriting network looks at the big picture.
Primary Document
A copy of the direct invoice or commercial quote for the specific equipment being purchased.
Flexible Credit Criteria
Welcomes both institutional investment-grade applicants and unique "story" situations (such as early-stage startups, turnarounds, or brands with positive EBITDA even if net margins are temporarily compressed).
Questions, Answered
The most important document is simply the invoice or equipment quote from your vendor. Along with that, a simple application and recent bank statements are usually enough to get the ball rolling.
Depending on whether we structure your deal as a capital lease or an operating lease, you can choose to purchase the equipment for a nominal fee (like $1), extend the lease, or upgrade to brand-new technology.
Apply for Equipment Financing via Trifecta
Send us your vendor quote and we'll structure a lease or finance package that keeps your cash reserves working where you need them most.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015
Equipment ROI & Break-Even Calculator
Equipment is not a cost sitting against zero — it produces revenue starting on day one while the payment stretches over years. Enter what the machine costs and what it earns to see whether it pays for itself.
The Machine & The Work It Does
Use the revenue the equipment brings in each month and your gross margin on that work.
Compare the monthly payment against the profit the equipment produces, not against zero. If net monthly cash is positive, the equipment is funding itself while you keep the capacity.
Estimate for planning purposes only. Excludes insurance, maintenance, fuel, and taxes. Actual rates and terms are set by the lender in underwriting.
What this calculator works out
This equipment ROI calculator compares the monthly payment against the revenue and margin the equipment produces, showing net monthly cash and how long the machine takes to pay for itself.