Welcome to Equipment Finance services, the industry leader in financing heavy equipment. Read on to learn what makes us the best in the business.
Finance Now. Operate Today.
At Equipment Financing Services (EFS), we've transformed equipment financing into what it should be: simple, fast, and aligned with your business needs. As an integral part of the EquipmentShare holistic solutions suite for the modern operator, we provide the financial solutions that keep your projects moving forward without delay.
From Application to Operation in Minutes, Not Days
Walk in needing equipment, drive out using it. The streamlined EFS application and funding process eliminates the traditional waiting period that costs you valuable project time and revenue. Sign your documents within an hour of applying, and your equipment is immediately released—putting productive assets to work on your job site today, not days from now.
The EFS Advantage - Speed When You Need It Most
- 15-Minute Approval Process: Apply, get approved, and finalize while you take a lunch break
- Same-Day Equipment Access: No waiting period means you start generating revenue immediately
- Terms That Match Your Cash Flow: Financing structured around your business cycle, not ours
- From $10K to $150MM: Scalable solutions whether you need one machine or an entire fleet
- Available in All 50 States: Consistent service wherever your projects take you
- Seamless EquipmentShare Integration: One streamlined process for selecting and financing your equipment
Financing Structure
- 12-84 month terms
- Equipment finance agreement (“EFA”) - short and sweet loan docs
- Build equity quickly in your equipment
- Tax benefits to maximize your investment
- Competitive interest rates, based on the WSJP rate
The EFS Process: Simple and Fast
Once you submit your application using the link below, our team gets to work immediately:
- Sales Team: Cuts through the noise to get you financing fast
- Underwriting Team: Reviews your application within minutes
- Closing Team: Delivers paperwork in minutes, not hours
Equipment That Pays for Itself Starting Today
Don't let financing delays cost you valuable project time. With EFS, your equipment starts generating revenue the moment you need it—not days or weeks after approval. Your business moves at the speed of opportunity. Whether you're responding to an emergency repair or bidding on a new contract, our financing process keeps pace with your needs, turning "I need that machine" into "I own that machine" in a single day.
Ready to put new equipment to work TODAY?
APPLY NOWQuestions? (888) 808-7686 | info@expressefs.com
EFS is a proud partner of EquipmentShare and the T3 OS for construction.
FAQ
What credit score do I need to qualify for financing?
While requirements vary by lender, most equipment financing requires a minimum credit score of 600. Borrowers with a higher score (700+), a longer time in business, and a successful borrowing history can secure better rates and terms.
What will I need to complete an application?
Applicants for financing will need their business name, Tax ID/EIN, and address information. Most entities require the owner or signor to provide their personal information, including name, address, and social security number. It’s important to note that EFS uses a soft credit pull, and our application does not impact the borrower's personal credit score.
How long does the approval process take?
During business hours (M-F, 8-5 PM CT), you can expect a decision and financing terms in as little as 15 minutes through EFS. More complex situations or higher dollar amounts might take up to 2 business days or longer.
Is equipment insurance required?
EFS requires insurance coverage on financed equipment to protect the collateral until you pay off the equipment finance agreement.
Can I pay off my equipment loan early?
Most equipment loans allow early payoff, but some may have prepayment penalties. Always check the terms before signing. Commonly, Equipment Finance Agreements like those used by EFS will have a fixed payment schedule and require all agreed-upon payments to pay off the financing.
Do I have to make a down payment?
Cash is king! EFS strives to provide 100% financing for all our transactions to keep more money in our customers' pockets. Some transactions may require a down payment via wire or ACH transfer to EFS or a payment on an invoice at your local EquipmentShare yard.
How will I make payments?
When you finance your equipment through EFS, auto-drafted payments are required. During the closing process, our team will gather the ACH information for your business operating account and automatically pull the monthly payments from that account for your convenience. You must make monthly payments via ACH auto-draft (credit card or check payments are prohibited). EFS borrowers will be given portal access within two weeks of funding the loan to view their outstanding balance and manage their accounts online.