Equipment Financing
Small business owners know how crucial it is to promptly and affordably acquire, upgrade, or replace the equipment required to run daily operations. Get your PURE5™ system with flexible payment options that preserve capital while growing production capacity.
How It Works
How Equipment Financing Works
An equipment loan lets you acquire a PURE5™ system now and pay it off over time — regular payments of interest plus principal over a set term, similar to a vehicle loan.
The lender typically places a lien on the financed equipment as collateral — some may also require a lien on other business assets or a personal guarantee. Once the loan is fully repaid, you own the equipment free and clear. Review the loan details carefully so you understand your risk if you default.
Financing preserves working capital for everything else it takes to get a system running — facility buildout, permits and licenses, and staffing.
Example
Total equipment cost
$76,000
Loan approved (80% loan-to-value)
$61,000
Your out-of-pocket cost
$15,000
The remaining $61,000 stays in reserve for marketing, permits, and other startup costs.
Terms
Financing Options
Up to 100%
Loan-to-Value
2.00% – 20.00%
Fixed Rate
1 – 25 years
Term Length
2 business days minimum
Funding Speed
Eligibility
Lenders evaluate:
- Personal and business creditworthiness
- A business plan demonstrating growth strategy
- Years in business and annual revenue
- Financial statements (balance sheet, cash flow, income statement)
- Personal documents (tax returns, bank statements, debt lists)
Benefits
- Helps build business trust
- Can be an affordable option, especially with a secured loan
- Get the equipment you need to grow your business
Drawbacks
- More costly than paying cash outright
- Fixed payments can strain cash flow until the loan is repaid
- Missed payments can damage your credit or put the business at risk
Compare
Financing vs. Leasing
Both routes get equipment on your floor without paying cash up front — the difference is what you own at the end of the term.
Financing
You take out a loan and make fixed payments toward ownership. The lender may hold a lien on the equipment — or ask for a personal guarantee — until the loan is repaid. Once it's paid off, the system is yours free and clear.
Leasing
You pay the equipment owner rent for a fixed term. Qualification requirements are typically looser than financing, but the equipment returns to the owner at the end of the lease unless you negotiate renewal or a buyout — which can cost more over time if the system stays central to your operation.
Lenders
Where to Get Equipment Financing
Financing is available from large national banks down to specialized online lenders — the right fit depends on where your business stands today.
Traditional Banks
Stricter underwriting, but better rates and terms — best suited to established businesses with healthy cash flow and assets.
Online Lenders
More flexible qualification criteria and faster turnaround, though typically at less favorable rates — a fit for newer businesses that fall short of a bank's minimum credit or asset requirements.
For smaller purchases, a business credit card, invoice factoring, a merchant cash advance, or angel funding are worth considering alongside a traditional equipment loan — each comes with its own trade-offs on cost, turnaround time, and qualification requirements.
Equipment
Every PURE5™ System Qualifies
From bench-scale reactors to full industrial platforms — our entire product line is eligible for the financing terms above.
