How much business funding can I get?

88NewWin Group helps businesses access funding from $10,000 to $75,000,000. The amount depends on your revenue, time in business, and funding type needed.

What types of businesses qualify for funding?

Most US and Canadian businesses qualify including startups under 2 years old, businesses with bad credit, cannabis businesses, real estate investors, logistics companies, manufacturers, and contractors.

How fast can I get approved for a business loan?

Many of our funding programs offer same-day or next-day approvals. Some programs fund within 24-48 hours of approval.

What is an R&D tax credit?

R&D tax credits are government incentives that reward businesses for innovation and research activities. 88NewWin Group identifies qualifying activities and helps you claim credits to put cash back in your business.

What does M&A advisory mean?

M&A advisory helps business owners sell their business, acquire another company, or consolidate operations to maximize value. 88NewWin Group guides you through the entire process.

Do you help Canadian businesses?

Yes. 88NewWin Group offers business financing solutions for both US and Canadian businesses.

Equipment Financing for US & Canadian Businesses: $10K to $75MM — How It Works and Who Qualifies

Apr 21

Written By Dat Nguyen

Whether you're buying a fleet of trucks, a CNC machine, restaurant equipment, or heavy construction gear — equipment is one of the biggest capital expenses a business faces. The problem? Most businesses don't have the cash sitting around to buy it outright, and waiting too long to upgrade or expand can mean losing contracts, missing capacity, or falling behind competitors.

That's where equipment financing comes in — and at 88NewWin Group, we help US and Canadian businesses access funding from $10,000 to $75,000,000 to get the equipment they need, fast.

What Is Equipment Financing?

Equipment financing is a type of business loan or lease used specifically to purchase, upgrade, or replace physical equipment for your business. Unlike a general-purpose line of credit, equipment financing is typically secured by the equipment itself — which means better rates and easier approvals, even if your credit isn't perfect.

The equipment serves as collateral, which is good news for business owners who might not qualify for traditional unsecured loans.

What Types of Equipment Can Be Financed?

Pretty much anything a business uses to operate. Common categories include:

Heavy construction equipment — excavators, bulldozers, cranes, skid steers
Commercial vehicles & trucking fleets — semi-trucks, delivery vans, utility vehicles
Manufacturing machinery — CNC machines, lathes, presses, injection molders
Restaurant & food service equipment — commercial ovens, refrigeration, prep stations
Medical & dental equipment — imaging machines, exam tables, surgical tools
Technology & IT infrastructure — servers, networking equipment, point-of-sale systems
Agriculture equipment — tractors, harvesters, irrigation systems
Logistics & warehousing — forklifts, conveyor systems, racking

If your business uses it to generate revenue, there's a good chance it can be financed.

How Much Can I Borrow?

At 88NewWin Group, we work with funding programs that cover $10,000 to $75,000,000 in equipment financing — for both US and Canadian businesses.

Smaller businesses needing a single piece of equipment in the $10K–$250K range can typically get approved quickly with minimal documentation. Larger deals in the $1M–$75MM range involve more underwriting but are absolutely achievable with the right advisory team in your corner.

Who Qualifies for Equipment Financing?

One of the most common myths is that you need great credit or years in business to qualify. Not true — at least not with 88NewWin.

We work with startups and businesses under 2 years old, businesses with bad credit or past bankruptcies, owner-operators, cannabis businesses, real estate investors, logistics and trucking companies, manufacturers, contractors, and both US-based businesses across all 50 states and Canadian businesses looking for growth capital.

If you've been told no by a bank, there's a strong chance we can find you a yes.

How Fast Can I Get Approved?

This is where equipment financing shines compared to traditional bank loans:

$10K–$250K: Same-day or next-day approvals are common. Funding in 24–72 hours.
$250K–$1MM: Typically 3–7 business days from application to funding.
$1MM–$75MM: 2–4 weeks for larger structured deals.

Equipment Financing vs. Equipment Leasing

Equipment Loans mean you own the equipment outright at the end of the term. Monthly payments build equity, and you keep the asset — better for equipment with long useful life.

Equipment Leases keep payments lower and let you upgrade to newer equipment at the end of the term — better for technology or equipment that gets outdated quickly.

We'll help you figure out which structure makes more sense for your cash flow and long-term business goals.

Why Work With 88NewWin Group?

We're not a bank. We're a business advisory firm with access to a wide network of lenders — which means we shop your deal across multiple funding sources to find the best terms for your situation. No upfront fees to apply. All credit profiles welcome. US and Canadian businesses. $10K to $75MM. Fast turnaround.

Frequently Asked Questions About Equipment Financing

Can I get equipment financing with bad credit?
Yes. Equipment financing is easier to qualify for than unsecured loans because the equipment itself serves as collateral. We work with businesses with bad credit, past bankruptcies, and even tax liens.

Do you offer equipment financing in Canada?
Yes. 88NewWin Group works with both US and Canadian businesses. Funding programs, terms, and requirements may vary by province.

What's the minimum time in business required?
Some programs are available to startups with zero time in business. Others require 6 months to 2 years. We'll match you to the right program based on your situation.

Is a down payment required?
Not always. Many equipment financing programs offer 100% financing with no down payment, especially for well-qualified borrowers or equipment with strong resale value.

What documents do I need to apply?
For smaller deals ($10K–$150K), often just a one-page application and recent bank statements. Larger deals may require financial statements, tax returns, and equipment quotes.

Ready to get started? Contact 88NewWin Group today — we'll find the right equipment financing solution for your US or Canadian business, from $10,000 to $75,000,000.

Dat Nguyen