Finding the right equipment financing company can save you thousands over the life of your loan. Here's how the major players compare in 2026.
Top Equipment Financing Companies Compared
| Company | Best For | Min Credit | Speed | Rates From |
|---|---|---|---|---|
| Brobas Capital Partners | All credit, trucks/trailers | 550+ | 1-3 days | 5.49% |
| Balboa Capital | Mid-tier credit, quick approval | 620+ | 1-2 days | 6.99% |
| Crest Capital | Strong credit, tax optimization | 650+ | Same day | 5.99% |
| National Funding | Challenged credit | 500+ | 1-2 days | Factor rates |
| Currency Capital | Startups | 600+ | 1-3 days | 8.99% |
| Beacon Funding | Transportation specific | 600+ | 2-5 days | 7.49% |
| LEAF Commercial Capital | Small ticket ($5K-$150K) | 550+ | Same day | 6.99% |
| Navitas Lease Finance | Mid-market | 600+ | 2-5 days | 7.99% |
| TopMark Funding | All credit, fast close | 500+ | 1-2 days | 8.99% |
| Crossroads Equipment Lease | Owner operators | 600+ | 2-5 days | 7.99% |
How We Ranked Them
We evaluated each company on five factors:
- Rate competitiveness (lower is better)
- Credit flexibility (wider range = higher score)
- Speed of approval (faster is better)
- Industry specialization (trucking/equipment expertise)
- Customer reviews (BBB, Trustpilot, Google)
Why Brokers Beat Direct Lenders
A broker like Brobas doesn't lend money directly. We submit your application to multiple lenders simultaneously and let them compete for your business. The result:
- Multiple offers to compare instead of one take-it-or-leave-it
- Better rates because lenders know they're competing
- One credit pull instead of separate inquiries at each lender
- Expert matching based on 39,000+ credit reports reviewed
The Bottom Line
No single lender is best for everyone. Your credit score, time in business, equipment type, and desired terms all matter. A broker shops the market for you and finds the best fit.
Let us shop for you: brobascap.com or (773) 691-3925