https://equipmentfinancinghq.com Independent guides, payment calculators, and lender-shopping advice for financing sawmills, vacuum trucks, embroidery machines, and other working equipment. en-us Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/learn/how-equipment-financing-works/ https://equipmentfinancinghq.com/learn/how-equipment-financing-works/ The foundational guide — what equipment financing actually is, why the machine being collateral changes everything, and what to expect from application to funding. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/learn/equipment-loan-vs-lease/ https://equipmentfinancinghq.com/learn/equipment-loan-vs-lease/ The decision that trips up the most buyers. When owning beats leasing, when leasing beats owning, and how to read the fine print on buyout structures. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/learn/equipment-financing-startup-bad-credit/ https://equipmentfinancinghq.com/learn/equipment-financing-startup-bad-credit/ New business or a rough credit history? Equipment's collateral value makes this far more approvable than most borrowing. Here's how to get a yes. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/learn/section-179-equipment-financing/ https://equipmentfinancinghq.com/learn/section-179-equipment-financing/ The tax deduction that makes financing especially powerful — expense the whole machine now, pay for it over years. What it is and why December is equipment's busiest month. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/learn/equipment-loan-vs-merchant-cash-advance/ https://equipmentfinancinghq.com/learn/equipment-loan-vs-merchant-cash-advance/ The most expensive mistake in equipment buying: using fast, unsecured money for a purchase that qualifies for cheap, secured money. Here's the cost difference, in dollars. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/learn/how-to-compare-equipment-financing-offers/ https://equipmentfinancinghq.com/learn/how-to-compare-equipment-financing-offers/ The single habit that saves the most money in equipment buying: getting and comparing two real offers. Here's exactly what to compare and the questions to ask. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/start/trucking-company/ https://equipmentfinancinghq.com/start/trucking-company/ Starting a one-truck trucking company typically costs $15,000–$40,000 out of pocket to launch (authority, insurance down payment, and a down payment on a financed truck), with the truck/trailer itself financed. Most owner-operators finance the equipment rather than paying cash. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/start/food-truck-business/ https://equipmentfinancinghq.com/start/food-truck-business/ Starting a food truck business typically costs $50,000–$175,000 all-in, with the truck ($30,000–$200,000) usually financed. Out-of-pocket to launch is often $20,000–$50,000 once the truck is on a payment. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/start/pressure-washing-business/ https://equipmentfinancinghq.com/start/pressure-washing-business/ Starting a pressure washing business typically costs $8,000–$45,000, driven almost entirely by the rig you buy. A cold-water trailer rig ($8,000–$18,000) is the common entry point, and the rig is easy to finance on personal credit. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/start/landscaping-business/ https://equipmentfinancinghq.com/start/landscaping-business/ Starting a landscaping business typically costs $15,000–$60,000, driven by the equipment — a commercial mower, trailer, and handhelds, or a full two-crew fleet. Most of the iron is financed, so out-of-pocket to launch is smaller. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/start/tree-service-business/ https://equipmentfinancinghq.com/start/tree-service-business/ Starting a tree service typically costs $30,000–$150,000+, driven by equipment — a bucket truck, wood chipper, and stump grinder. The iron is financed, and tree work is one of the more startup-friendly niches because the equipment is strong collateral. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/start/towing-business/ https://equipmentfinancinghq.com/start/towing-business/ Starting a towing business typically costs $40,000–$120,000 to launch, driven by the tow truck (financed) and towing insurance ($12,000–$30,000/yr). Insurance underwriting — not the loan — is what decides these deals. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/excavator/ https://equipmentfinancinghq.com/cost/excavator/ A full-size excavator typically costs $40,000 to $350,000. Used mid-size machines run $40,000–$90,000, late-model used $90,000–$150,000, and new 20-to-50-ton machines $150,000–$350,000+, before attachments. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/skid-steer/ https://equipmentfinancinghq.com/cost/skid-steer/ A skid steer typically costs $15,000 to $90,000. Older used machines run $15,000–$30,000, new standard-frame units $45,000–$70,000, and large high-flow machines up to $90,000, before attachments. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/mini-excavator/ https://equipmentfinancinghq.com/cost/mini-excavator/ A mini excavator typically costs $20,000 to $110,000. Used compact machines run $20,000–$45,000, and new units from about $45,000 for a 1–2 ton up to $110,000 for a 7–10 ton, before attachments. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/food-trailer/ https://equipmentfinancinghq.com/cost/food-trailer/ A food trailer typically costs $15,000 to $150,000. Basic used concession trailers start around $15,000, mid-range custom builds run $30,000–$70,000, and fully-equipped custom trailers $70,000–$150,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/food-truck/ https://equipmentfinancinghq.com/cost/food-truck/ A food truck typically costs $30,000 to $200,000. A used truck with a basic retrofit runs $30,000–$50,000, a full used build-out $50,000–$90,000, and a new custom truck $90,000–$200,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/dump-trailer/ https://equipmentfinancinghq.com/cost/dump-trailer/ A dump trailer typically costs $5,000 to $35,000. Small single-axle trailers start around $5,000, the popular 14-foot 14k-GVWR size runs $12,000–$18,000, and heavy-duty gooseneck units reach $35,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/forklift/ https://equipmentfinancinghq.com/cost/forklift/ A forklift typically costs $8,000 to $60,000. Used warehouse forklifts run $8,000–$25,000, new internal-combustion units $22,000–$40,000, and new electric or higher-capacity lifts up to $60,000, before attachments. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/box-truck/ https://equipmentfinancinghq.com/cost/box-truck/ A box truck typically costs $20,000 to $120,000. Used 16–26 ft trucks run $20,000–$45,000, late-model used $45,000–$75,000, and new 26 ft models $85,000–$120,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/tow-truck/ https://equipmentfinancinghq.com/cost/tow-truck/ A tow truck typically costs $35,000 to $500,000. Used rollbacks run $35,000–$75,000, new rollbacks $110,000–$160,000, and heavy-duty wreckers $150,000–$500,000+ (50-ton rotators reach $750,000). Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/bucket-truck/ https://equipmentfinancinghq.com/cost/bucket-truck/ A bucket truck typically costs $30,000 to $250,000. Older used forestry units run $30,000–$55,000, mid-age used $55,000–$95,000, and new builds $140,000–$250,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/cnc-machine/ https://equipmentfinancinghq.com/cost/cnc-machine/ A CNC machine typically costs $15,000 to $400,000 for business-grade equipment. Benchtop units run $15,000–$40,000, entry VMCs $50,000–$90,000, and production VMCs and lathes $90,000–$400,000, before tooling. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/commercial-mower/ https://equipmentfinancinghq.com/cost/commercial-mower/ A commercial mower typically costs $8,000 to $18,000 per unit, and a two-crew fleet with trailer and handhelds runs $45,000–$60,000. Commercial zero-turns start around $8,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/sawmill/ https://equipmentfinancinghq.com/cost/sawmill/ A sawmill typically costs $3,000 to $500,000+. Portable manual band mills run $3,000–$30,000, portable hydraulic mills $30,000–$110,000, and stationary industrial lines $150,000–$500,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/wood-chipper/ https://equipmentfinancinghq.com/cost/wood-chipper/ A commercial wood chipper typically costs $10,000 to $90,000. Used 12-inch towable units run $10,000–$30,000, new 12–15 inch chippers $35,000–$60,000, and new 18-inch drum machines $60,000–$90,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/reefer-trailer/ https://equipmentfinancinghq.com/cost/reefer-trailer/ A reefer trailer typically costs $20,000 to $110,000. Used 8–12 year trailers run $20,000–$45,000, 4–7 year units $45,000–$70,000, and new 53-footers $75,000–$110,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/septic-truck/ https://equipmentfinancinghq.com/cost/septic-truck/ A septic pump truck typically costs $45,000 to $300,000. Used pumpers run $45,000–$90,000, late-model used $90,000–$160,000, and new builds $160,000–$300,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/pizza-oven/ https://equipmentfinancinghq.com/cost/pizza-oven/ A commercial pizza oven typically costs $5,000 to $50,000. Deck ovens run $8,000–$25,000, conveyor ovens $15,000–$40,000, and wood-fired brick ovens $10,000–$45,000 — plus hood and ventilation. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/fiber-laser-cutter/ https://equipmentfinancinghq.com/cost/fiber-laser-cutter/ A fiber laser cutter typically costs $20,000 to $800,000+. Entry 1.5–3 kW machines run $20,000–$130,000, 6 kW production machines $200,000–$400,000, and 12 kW+ machines $400,000–$800,000+, before facility work. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/dtf-dtg-printer/ https://equipmentfinancinghq.com/cost/dtf-dtg-printer/ A DTF or DTG printer typically costs $3,000 to $90,000. Desktop DTF setups run $3,000–$15,000, entry DTG printers $10,000–$25,000, and production DTF and DTG lines $25,000–$90,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/laser-engraver/ https://equipmentfinancinghq.com/cost/laser-engraver/ A laser engraver typically costs $2,500 to $120,000. Desktop CO2 machines run $2,500–$15,000, large-format CO2 $15,000–$40,000, fiber/galvo metal markers $8,000–$35,000, and industrial systems up to $120,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/stump-grinder/ https://equipmentfinancinghq.com/cost/stump-grinder/ A stump grinder typically costs $5,000 to $75,000. Tow-behind units run $5,000–$18,000, compact self-propelled machines $20,000–$40,000, and production self-propelled grinders $40,000–$75,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/aerial-lift/ https://equipmentfinancinghq.com/cost/aerial-lift/ An aerial lift typically costs $8,000 to $200,000. Used scissor lifts run $6,000–$15,000, new scissor lifts $15,000–$30,000, used 40–45 ft booms $25,000–$55,000, and 60 ft+ booms $50,000–$200,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/embroidery-machine/ https://equipmentfinancinghq.com/cost/embroidery-machine/ A commercial embroidery machine typically costs $8,000 to $150,000. Used single-head machines run $7,000–$15,000, new single-heads $15,000–$25,000, and 4–6 head machines $45,000–$80,000, with large multi-heads climbing higher. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/firewood-processor/ https://equipmentfinancinghq.com/cost/firewood-processor/ A firewood processor typically costs $15,000 to $190,000+. Entry machines run $15,000–$35,000, mid-range processors $35,000–$70,000, and commercial-throughput units $70,000–$190,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/brewery-equipment/ https://equipmentfinancinghq.com/cost/brewery-equipment/ Brewery equipment typically costs $30,000 to $500,000. A nano 3.5 BBL system runs $30,000–$60,000, a 7 BBL brewhouse with fermenters $80,000–$150,000, and a 10–15 BBL production setup $150,000–$350,000 — plus glycol, boiler, and install. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/hotshot-rig/ https://equipmentfinancinghq.com/cost/hotshot-rig/ A hotshot rig typically costs $40,000 to $120,000. A used dually runs $35,000–$60,000 and a new one $65,000–$90,000, with a 40 ft gooseneck adding $12,000–$22,000 new (or $8,000–$15,000 used). Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/paint-booth/ https://equipmentfinancinghq.com/cost/paint-booth/ A paint booth typically costs $10,000 to $150,000 as a complete project. The booth itself runs $15,000–$80,000 by airflow design, and installation, fire suppression, and permits add $20,000–$70,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/golf-cart-fleet/ https://equipmentfinancinghq.com/cost/golf-cart-fleet/ A golf cart fleet typically costs $40,000 to $600,000+. New carts run $5,000–$9,500 each; a course refresh of 60–80 carts is $300,000–$400,000, and rental fleets of 10–30 carts $60,000–$250,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/coffee-roaster/ https://equipmentfinancinghq.com/cost/coffee-roaster/ A commercial coffee roaster typically costs $5,000 to $150,000. Micro roasters run $5,000–$15,000, shop roasters (5–12 kg) $15,000–$50,000, and production roasters (15–35 kg) $50,000–$150,000 — plus ventilation. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/salon/ https://equipmentfinancinghq.com/cost/salon/ Salon equipment typically costs $10,000 to $150,000. Individual styling stations run $1,500–$5,000 each, a full 4–6 chair build-out $30,000–$80,000, and med-spa devices $30,000–$150,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/gym/ https://equipmentfinancinghq.com/cost/gym/ Gym equipment typically costs $25,000 to $300,000. A boutique strength studio runs $25,000–$60,000, a full-service commercial floor $150,000–$300,000 new, and a remanufactured full floor $80,000–$160,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/car-wash/ https://equipmentfinancinghq.com/cost/car-wash/ Car wash equipment typically costs $40,000 to $1,000,000+. An in-bay automatic runs $40,000–$150,000, self-serve bay equipment $15,000–$30,000 per bay, and an express tunnel equipment package $400,000–$1,000,000+. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/veterinary-practice/ https://equipmentfinancinghq.com/cost/veterinary-practice/ Veterinary equipment typically costs $25,000 to $250,000. A first-clinic core (exam and surgery basics) runs $25,000–$60,000, digital radiography $25,000–$60,000, and a mobile clinic build $80,000–$250,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/pressure-washing-rig/ https://equipmentfinancinghq.com/cost/pressure-washing-rig/ A commercial pressure washing rig typically costs $8,000 to $45,000. A cold-water trailer rig runs $8,000–$18,000, a hot-water rig $15,000–$30,000, and a full multi-service build $30,000–$45,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/carpet-cleaning-truckmount/ https://equipmentfinancinghq.com/cost/carpet-cleaning-truckmount/ A carpet cleaning truckmount typically costs $15,000 to $90,000. A slide-in machine runs $15,000–$35,000, a used van plus used mount $25,000–$50,000, and a new integrated van package $60,000–$90,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/auto-shop/ https://equipmentfinancinghq.com/cost/auto-shop/ Auto shop equipment typically costs $10,000 to $150,000. A two-post lift runs $3,500–$7,000 installed, a tire changer and balancer package $10,000–$22,000, an alignment machine and rack $30,000–$60,000, and a full 4-bay build $80,000–$150,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/pet-grooming/ https://equipmentfinancinghq.com/cost/pet-grooming/ A pet grooming setup typically costs $15,000 to $150,000. Salon equipment runs $8,000–$15,000 per station and a 2–3 station build-out $20,000–$60,000, while a mobile grooming van runs $45,000 used to $150,000 new. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/cargo-van/ https://equipmentfinancinghq.com/cost/cargo-van/ A commercial cargo van typically costs $20,000 to $75,000 for the vehicle, plus $2,000–$10,000 for a trade upfit. Used work vans run $20,000–$40,000, new standard-roof vans $42,000–$55,000, and new high-roof Sprinter-class vans $55,000–$75,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/screen-printing-press/ https://equipmentfinancinghq.com/cost/screen-printing-press/ A screen printing setup typically costs $5,000 to $120,000. A complete manual press setup runs $5,000–$15,000, an entry automatic press $35,000–$55,000, and a production 8–12 color automatic $55,000–$90,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/bbq-smoker-trailer/ https://equipmentfinancinghq.com/cost/bbq-smoker-trailer/ A BBQ smoker trailer typically costs $10,000 to $80,000. A straight pit trailer runs $10,000–$25,000, a production-brand pit trailer $20,000–$40,000, and a full vending trailer with a service kitchen $40,000–$80,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/dental-practice/ https://equipmentfinancinghq.com/cost/dental-practice/ Dental equipment typically costs $20,000 to $250,000. A complete operatory runs $30,000–$60,000 (a 3-op startup is $100,000–$180,000 in operatories alone), digital 2D imaging $20,000–$45,000, and CBCT 3D imaging $75,000–$150,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/optometry-practice/ https://equipmentfinancinghq.com/cost/optometry-practice/ Optometry equipment typically costs $25,000 to $250,000. A complete exam lane runs $25,000–$50,000, OCT retinal imaging $40,000–$80,000, and an in-house edging lab $15,000–$45,000, with a full multi-lane practice at the top. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/laundromat/ https://equipmentfinancinghq.com/cost/laundromat/ Laundromat equipment typically costs $50,000 to $500,000. Commercial washers run $3,500–$15,000 each and stacked dryers $6,000–$12,000, while a full retool of a 2,000–3,000 sq ft store runs $150,000–$500,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/cost/chiropractic-office/ https://equipmentfinancinghq.com/cost/chiropractic-office/ Chiropractic equipment typically costs $5,000 to $120,000. A functional clinic equips for $25,000–$60,000, with adjusting tables at $3,000–$12,000 each, therapy modalities $5,000–$30,000, and a digital X-ray suite $25,000–$60,000. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/section-179-calculator/ https://equipmentfinancinghq.com/section-179-calculator/ Estimate your first-year equipment tax savings. Wed, 08 Jul 2026 19:02:04 GMT https://equipmentfinancinghq.com/equipment-loan-rates/ https://equipmentfinancinghq.com/equipment-loan-rates/ Typical APRs by credit score and equipment type. Wed, 08 Jul 2026 19:02:04 GMT