Equipment Financing for Southern California Businesses

Whether you are acquiring new machinery, upgrading technology, or replacing aging equipment, Commercial Capital Partners helps Southern California businesses secure the right equipment financing with competitive terms and a streamlined process. We work with SBA programs, conventional lenders, and equipment-specific financing sources to match each client with the best solution.

SBA 7(a) Equipment Loans

The SBA 7(a) program can finance equipment and machinery as a standalone loan or as part of a larger business financing package. Key advantages include low down payments (as little as 10%), longer repayment terms compared to conventional equipment loans (up to 10 years for equipment), and the ability to bundle equipment financing with working capital or real estate in a single loan. Loan amounts up to $5 million.

SBA equipment financing is particularly valuable for businesses acquiring high-cost, long-life equipment, such as manufacturing machinery, medical imaging equipment, or commercial kitchen builds, where conventional lenders may offer shorter terms or higher down payments.

Conventional Equipment Financing

For straightforward equipment purchases, conventional equipment loans and leases are available through our lender network. These programs can often close faster than SBA loans and may offer flexible structures including equipment leases, capital leases, and installment loans. Terms typically range from 3–7 years depending on the equipment type and useful life.

Equipment We Finance

  • Manufacturing equipment and CNC machinery
  • Medical and dental equipment
  • Restaurant and commercial kitchen equipment
  • Gas station dispensers, tanks, and point-of-sale systems
  • Construction equipment and heavy machinery
  • Technology and IT infrastructure
  • Transportation and fleet vehicles (commercial use)
  • Warehouse and logistics equipment

Why Finance Equipment Instead of Paying Cash?

Financing equipment preserves working capital for operations, allows businesses to acquire better equipment sooner, and may offer tax advantages through depreciation and interest deductions. For growing businesses, equipment financing is a smart leverage strategy that keeps cash available for hiring, inventory, and expansion.

Get Equipment Financing Today

Commercial Capital Partners works with businesses throughout the Inland Empire and Southern California to structure equipment loans that fit their cash flow. Call (909) 721-5915 or contact us online to discuss your equipment financing needs. We move quickly, so your operations do not have to wait.

Equipment Financing: Loans and Leases for Business Equipment

Every business depends on equipment to operate, compete, and grow. From heavy construction machinery and commercial kitchen equipment to medical devices, printing presses, and transportation fleets, the cost of acquiring or upgrading business equipment can strain working capital and limit a company’s ability to take on new contracts or expand service capacity. Commercial Capital Partners structures equipment financing solutions that allow businesses to access the tools they need while preserving cash flow and maintaining liquidity.

Types of Equipment We Finance

  • Construction equipment: excavators, cranes, bulldozers, loaders, grading and paving machines
  • Transportation and trucking: semi-trucks, trailers, flatbeds, refrigerated units, vans
  • Medical and dental equipment: imaging systems, surgical equipment, diagnostic devices, dental chairs and units
  • Restaurant and food service: commercial ovens, refrigeration, grills, dishwashers, processing lines
  • Manufacturing equipment: CNC machines, presses, assembly line equipment, packaging machinery
  • Printing and signage: large-format printers, offset presses, binding equipment
  • Agricultural equipment: tractors, harvesters, irrigation systems, processing equipment
  • Technology: servers, networking equipment, point-of-sale systems, broadcast equipment

Equipment Financing Structures

  • Equipment loans (term loans): You own the equipment from day one and build equity as you pay down the loan. Full deduction of interest expense and depreciation (Section 179 and bonus depreciation). Terms of 36–84 months based on equipment type and useful life.
  • Equipment leases (true/operating lease): Lower monthly payments, off-balance-sheet treatment in some cases, and the option to upgrade to newer equipment at lease end. Best for equipment that depreciates quickly or requires frequent technological updates.
  • SBA 7(a) for equipment: Up to $5 million, 10-year repayment terms (longer than conventional equipment loans), lower down payment requirements. Best for large equipment purchases or when multiple business needs are combined in one financing package.
  • Sale-leaseback: If your business owns unencumbered equipment, you can sell it to a lender and lease it back, converting equity into working capital while retaining operational use.

Equipment Financing vs. Paying Cash

Many business owners ask whether they should finance equipment or pay cash outright. The answer depends on the cost of capital, the tax treatment, and the opportunity cost of deploying that cash into the business. Financing equipment — especially with the current Section 179 deduction allowing 100% first-year expensing — allows you to take the full tax deduction in year one while paying for the equipment over three to seven years. This creates a positive cash flow difference between the tax benefit received immediately and the loan payments spread over time.

Cash paid for equipment is also cash unavailable for payroll, materials, marketing, or new contracts. For most growing businesses, financing equipment and deploying cash into revenue-generating activities produces a better overall return.

How Equipment Loans Are Underwritten

Equipment lenders primarily evaluate the business’s ability to make loan payments from operating cash flow, the type and condition of the equipment (new vs. used), the equipment’s residual value and marketability, and the borrower’s credit history. For established businesses with strong revenues, equipment loans are often approved quickly with minimal documentation. Start-up or early-stage businesses may need to provide a personal guarantee and larger down payment.

For larger equipment transactions (above $250,000), lenders typically review two to three years of business tax returns, year-to-date financial statements, and a description of the equipment including any quotes or purchase agreements.

Recent Equipment Financing Deals

  • $480,000 equipment loan. Two new semi-trucks and refrigerated trailers, food distribution company, Ontario, CA
  • $235,000 equipment lease. CNC machining center for a manufacturing facility, Fontana, CA
  • $1,200,000 SBA 7(a) loan. Full commercial kitchen build-out and equipment package, restaurant group, Riverside County

Get Equipment Financing Today

Whether you need to finance a single piece of equipment or an entire fleet, our team can identify the right program, term, and structure for your business. We work with lenders specializing in every category of business equipment and can close transactions quickly when your project timeline demands it. Call us at (909) 721-5915 or submit a pre-qualification to get started.