Equipment Funding

The right equipment can make all the difference in keeping a business moving forward. Financing that equipment shouldn’t be confusing, restrictive, or weighed down by hidden costs. Our goal is to make the process straightforward, transparent, and supportive of long-term success.

We provide direct equipment financing to businesses that may not qualify for traditional bank loans. We work with a wide range of credit types and focus on the full picture — including cash flow, operating history, and the value of the equipment itself — rather than relying solely on credit scores. This approach allows us to help capable operators access the capital they need without putting unnecessary pressure on their business.

As an asset-based lender, we finance construction and industrial equipment, manufacturing machinery, and over-the-road assets such as trucks and trailers. Our financing decisions are grounded in practical underwriting and real collateral, giving our clients confidence and flexibility as they grow.

Our approval process is designed to be efficient and fair, centered on a borrower’s ability to manage their obligations while keeping terms clear and predictable. We aim to provide financing that supports growth, not financing that holds a business back.

If you’re looking for a dependable partner to help secure the equipment your business needs, we’re here to help.

Prior to proceeding with any equipment financing transaction, clients are required to submit the following items for underwriting and credit evaluation: a completed lease or loan application, written consent to obtain credit reports, at least three months of recent bank statements, a detailed schedule of equipment being offered as collateral, and a purchase invoice or vendor quote for the equipment. For transactions exceeding $100,000, both corporate and personal financial statements and applicable tax returns will also be required.

Once a proposal receives conditional approval and the required initial deposit is received, Oxford Capital will proceed with the transaction. As part of our due diligence process, we conduct a comprehensive review of the collateral, which may include an on-site inspection of the business and assets.

Our inspection reports typically include photographs, valuation data, and written observations regarding the collateral, along with relevant details about the asset type, operating environment, overall condition, and estimated resale value. The extent and depth of each inspection are tailored to the specific assets and collateral structure involved in the transaction.