Heavy Equipment Financing:

Upgrade Without Draining Cash Flow

Finance 100% of new or existing equipment costs with flexible terms and competitive rates. Perfect for construction companies, healthcare providers, auto body shops, and other growing businesses.

Whether you need excavators, medical devices, fleet vehicles, or specialized machinery, Kovos Capital connects you to tailored equipment financing solutions through our network of preferred lenders.

Any Industry

From construction to healthcare, transportation to technology; No industry is off-limits.

Premier Lending Partnerships

Our strategic partnerships allow us to structure deals that traditional banks can't or won’t.

Any Asset

If it drives your success and growth we’ll find a way to fund it.

Built to Scale

Whether you need $250K or $50M+, our financing solutions grow with you.

Tailored Capital Solutions

Solutions that fit your cash flow, budget, and long-term goals.

National + Territories Reach

Our Premier partners work with vendors worldwide to ensure easy access to the equipment you need.

What Is Equipment Financing?

Heavy Equipment Financing (also called Equipment Loans or Equipment Leasing) allows businesses to acquire essential machinery, vehicles, and technology without a large upfront payment. You can finance up to 100% of the equipment cost, using the equipment itself as collateral.

This Solution Helps Businesses:

Upgrade machinery to boost productivity
Expand operations
Replace aging equipment
Preserve working capital

Key Advantage: Tax advantages (interest and depreciation deductions)

Benefits & Key Factors

Benefits of Heavy Equipment Financing

1. Finance 100% of costs — no large down payment

2. Use existing equipment equity to unlock more capital

3. Flexible terms (1–8 years) matched to equipment lifespan

4. Preserve cash flow for operations and growth

5. Fast approvals compared to traditional bank loans

Key Factors

* Personal & business credit

* Time in business (more lenient than bank loans)

* Revenue potential of the equipment

* Equipment type

* Equipment value

* Even businesses with less-than-perfect credit can qualify since the equipment serves as strong collateral.

Documents You Will Need To Apply

Completed Application

1. Drivers License

2. Voided Business Check

3. Business Bank Statements (Last 4 months)

4. Credit Score

5. Equipment Invoice or quote

You may also be requested to provide the following for larger dollar amounts over $100K

* Balance Sheet

* Profit and Loss Statements

* Business Tax Returns

* Personal Tax Returns

* Equipment List (if Securing Equipment)

How Does Equipment Financing Work?

1. Choose the equipment you need (new or used).

2. Apply through Kovos Capital — we match you with the best terms from our preferred lenders.

3. Get approved quickly (often using the equipment as collateral).

4. Receive funds or have the vendor paid directly.

5. Repay over flexible terms (typically 1–8 years) with manageable payments.

Most businesses can qualify, including:

* Startups and established companies

* Construction firms (especially FEMA/disaster recovery)

* Healthcare & HealthTech providers

* Auto body shops

* Independent hotels

* Tech and logistics companies

Our Approach

Kovos Capital focuses on equipment financing solutions for established businesses looking to upgrade, expand, or modernize without draining working capital. Through our network of premier lending partners, we structure flexible facilities — often with 100% financing — for new or used equipment across construction, healthcare, automotive, technology, and other industries. We prioritize clean structures that support your growth while preserving cash flow and long-term options.

Built For Business

Healthcare & HealthTech — Equipment and expansion

Construction & Disaster Recovery — FEMA/SBA bridge and reconstruction

Tech & Innovation — Growth capital and infrastructure

STILL NOT SURE?

Frequently Asked Questions

Can I finance used equipment?

Yes, many lenders finance both new and used equipment, subject to age, condition and valuation requirements

What are the business line of credit rates?

The business line of credit rates can vary based on whether the credit line is a secured of line of credit or an unsecured line of credit. Typically, both are based on your personal credit score and average monthly revenue so the rates may vary.

How much can I finance?

Equipment financing amounts typically range from $10,000 to several million dollars depending on the equipment and borrower qualifications.

Can startups qualify for equipment financing?

Some lenders offer startup equipment financing programs. although additional documentation or larger down payments may be required.

Serving businesses nationwide with local expertise in Nevada, California, and Pacific Territories. Kovos Capital — Your Partner in Growth.

Proven Service, Tailored Funding Solutions

Competitive & Flexible Terms

We shop multiple preferred lenders so you get highly competitive rates, fixed payments, and flexible terms that actually fit your business — not just what one bank offers. Our goal is to deliver better value and more options than traditional institutions.

Relationship-Based Service

At Kovos Capital, you work with real people who take the time to understand your business goals. We provide personalized guidance through the entire process — from pre-qualification to funding — with high-touch support and transparent communication every step of the way.

We Welcome Referrals

If you’re a CPA, business consultant, equipment dealer, or industry professional, we’d love to partner with you. Our referral program is mutually beneficial with strong support and competitive payouts. Contact us to learn how we can work together to help more businesses succeed.

Kovos Capital provides access to premium working capital through our strategic partnerships. Kovos Capital is a business consulting and brokerage firm, not a direct lender. Funding is provided by third-party partners. By submitting your information, you agree to our Privacy Policy and Terms of Use. We will contact you regarding your inquiry.