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Key findings
- Strong-credit borrowers (Excellent (720+)) see equipment financing APRs of 5.5%–7.9%.
- The spread between the strongest and weakest credit tiers is 11.4% — credit profile is the largest single driver of equipment financing cost.
- A $100,000 equipment loan at 60 months costs $1,966–$2,350 per month across credit tiers.
Financing APR by credit tier
Verification status: Modeled from public inputs.
| Credit tier | APR range | Monthly payment on $100,000 (60 mo) |
|---|---|---|
| Excellent (720+) | 5.5%–7.9% | $1,966/mo |
| Good (680-719) | 7.5%–9.9% | $2,061/mo |
| Average (640-679) | 9.5%–12.9% | $2,184/mo |
| Fair (600-639) | 12.0%–16.9% | $2,350/mo |
Ranges are modeled from published equipment-financing rate data; they flip to measured network data once each tier reaches N≥50 observed quotes.
Methodology
EquipFlow operates an equipment-financing lender network. The rate table on this page is currently modeled from published equipment-financing rate data and standard amortization math; it is labeled accordingly and switches to measured network data once each credit tier reaches N≥50 observations.
Monthly payments use standard amortization at the midpoint of each APR range over a 60-month term.
Compiled and maintained by EquipFlow. Figures regenerate automatically from the underlying data store; the last-updated date changes only when the data materially changes.
