Prime Credit Equipment Financing
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What Our Clients Say
"I've worked with Brobas for a long time. They provided financing with a minimal down payment, which was crucial for me. Since then, I've grown with them and plan to open a fourth location."
Nikola T.
Fleet Owner
"The first day after submitting documents, they gave me a full breakdown of my situation and explained the strategy. I got a great offer, and now the truck works for me — not the other way around."
Oleh O.
Owner-Operator
"Brobas has great relationships with banks. The monthly payment they offered was comparable, if not lower, than equipment financing. You won't get the same terms walking into a street bank."
Natalya P.
Business Owner
Your strong credit score and business track record shouldn't just be numbers on a report — they should unlock the most competitive financing rates available. Brobas Capital Partners specializes in securing the absolute lowest rates for prime credit borrowers (700+ FICO). Our network of 500+ lenders actively compete for borrowers like you, driving rates to levels that traditional banks simply can't match. Below you'll find real, recently funded deals — not theoretical ranges or marketing gimmicks. These are the rates our prime credit clients actually received.
Why Choose Brobas for Prime Credit Equipment Financing
Rates from 5.24% APR
Exclusive low rates reserved for borrowers with 700+ credit scores and established business histories.
$0 Down Payment Options
Preserve your working capital. Qualified prime borrowers can finance 100% of equipment cost with no money down.
Up to $5M Per Transaction
Finance individual assets or entire equipment packages with streamlined underwriting for larger deals.
24-Hour Approvals
Prime credit applications are fast-tracked. Most qualified borrowers receive approval within one business day.
The Brobas Process
Apply Online
Fill out a quick 5-minute application. No impact on your credit score.
Get Matched
Our AI engine matches you with the best lenders from our 500+ network.
Compare Offers
Review competitive offers with transparent rates and terms.
Get Funded
Choose your best option and receive funding — often within days.
Recent Prime Credit Approvals — Real Deals, Real Rates
Every deal below was funded through Brobas Capital Partners for a prime credit borrower. These are actual rates and terms — not estimates:
• $1,200,000 Fleet Acquisition — 8 Freightliner Cascadias — National carrier, 740 credit, 12 years in business, $8M revenue. 5.49% APR, 84 months, $0 down. Funded in 5 business days.
• $780,000 Crane Package — Liebherr LTM 1100 — Infrastructure contractor, 725 credit, 8 years in business, $4.5M revenue. 5.74% APR, 72 months, 5% down. Funded in 4 business days.
• $420,000 CAT Excavator — 336F L — Site development company, 730 credit, 15 units in fleet. 5.49% APR, 60 months, $0 down. Approved in 18 hours.
• $650,000 MRI System — Siemens MAGNETOM — Radiology practice, 5 locations, 750 credit. 5.74% APR, 84 months, $0 down. Funded in 6 business days.
• $285,000 CNC Machining Center — Haas VF-6SS — Manufacturing firm, 710 credit, $3M revenue. 5.99% APR, 72 months, $0 down. Approved same day.
• $1,800,000 Crane Package — Manitowoc Grove — Heavy civil contractor, 25-year history, 745 credit. 5.24% APR, 84 months, 5% down. Our lowest rate this quarter.
Why Prime Borrowers Choose Brobas Over Their Bank
If you have excellent credit, you probably already have a banking relationship. So why use Brobas? Three reasons:
1. Lender Competition Drives Rates Down
Your bank offers one rate — theirs. Brobas shops your application to 500+ lenders simultaneously. When multiple institutions compete for a prime borrower like you, rates drop significantly. On average, our prime clients save 0.5-1.5% compared to their bank's best offer.
2. Speed and Simplicity
Bank equipment loans require extensive paperwork, committee approvals, and weeks of waiting. Our digital platform pre-qualifies you instantly, matches you with the best lenders in minutes, and delivers funded deals in days — not weeks.
3. Preservation of Banking Relationships
Using Brobas for equipment financing keeps your bank credit lines available for working capital, real estate, or emergency liquidity. Diversifying your lending relationships is smart treasury management.
Equipment Financing Tax Benefits for Prime Borrowers
Prime credit borrowers often have the revenue to take full advantage of equipment financing tax benefits:
Section 179 Deduction — For tax year 2024, businesses can deduct up to $1,220,000 of qualifying equipment purchases. This means a $500,000 equipment purchase could reduce your taxable income by the full $500,000 in the year of purchase.
Bonus Depreciation — In addition to Section 179, bonus depreciation allows businesses to deduct a significant percentage of new and used equipment costs in the first year. This is being phased down but remains a powerful tax planning tool.
Interest Deduction — The interest paid on equipment financing is generally tax-deductible as a business expense, further reducing the effective cost of your financing.
Example: A business in the 25% tax bracket financing $1M in equipment could see an effective first-year tax benefit of $250,000-$350,000 depending on their specific situation. Consult your tax advisor for details specific to your business.
Industries We Serve at Prime Rates
Our prime credit programs serve every industry that uses commercial equipment:
Transportation & Logistics — Semi trucks, trailers, reefer units, flatbeds, box trucks, last-mile delivery vehicles. We're the preferred financing partner for carriers running 5 to 500+ units.
Construction & Infrastructure — Excavators, loaders, dozers, cranes, concrete equipment, paving machinery. From residential builders to heavy civil contractors.
Healthcare & Medical — MRI machines, CT scanners, dental equipment (CBCT, CAD/CAM), surgical systems, imaging suites. Equipment from $50K to $5M+.
Manufacturing — CNC machines, lathes, milling centers, 3D printers, packaging lines, robotics. Precision equipment deserves precision financing.
Energy & Utilities — Generators, transformers, solar installations, wind equipment, utility vehicles. Powering America's infrastructure.
Agriculture — Tractors, combines, harvesters, irrigation systems, grain handling. Seasonal payment structures available.
Whatever equipment your business needs, if you have prime credit, you deserve prime rates. Apply today and see what 500+ lenders will offer you.
Frequently Asked Questions
What credit score qualifies for prime rates?
Our prime credit programs start at 700 FICO. Scores of 720+ with 3+ years in business and $500K+ annual revenue unlock our best rates starting at 5.24% APR. Scores between 680-699 may qualify depending on business strength.
What types of equipment can I finance at prime rates?
Any commercial equipment: semi trucks, trailers, construction machinery (excavators, loaders, cranes), medical devices (MRI, CT, dental), manufacturing equipment (CNC, printing), restaurant and hospitality equipment, and more. If it generates revenue for your business, we can finance it.
How do your rates compare to my bank?
On average, our prime credit clients save 0.5-1.5% compared to their bank's initial offer. Our 500+ lender network creates genuine competition for your business, which banks — offering only their own products — simply can't replicate.
What documentation do prime borrowers need?
For amounts under $250K: 3 months bank statements and a one-page application. Over $250K: add 2 years business tax returns. Prime credit deals require less documentation because your credit profile tells a strong story on its own.
Can I finance both new and used equipment?
Absolutely. New equipment from all major OEMs and quality used assets up to 10 years old. Used equipment rates start slightly higher but remain extremely competitive for prime borrowers — often 0.25-0.50% above new equipment rates.
Do you offer fixed rates?
Yes. Most prime borrowers prefer fixed rates for payment predictability. We offer fixed rates on terms from 24 to 84 months. Variable rate options are also available and start even lower for borrowers comfortable with rate fluctuation.
Get Your Free Quote
No cost, no obligation, no credit impact.
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