From start-up programs to top-tier commercial financing, we deliver fast, flexible funding solutions nationwide. Get approved today with a soft credit inquiry — no obligation.
Whether you're starting out or scaling up, we have a financing solution structured around your business.
Own the equipment. Keep your cash. Fixed monthly payments on new or used equipment with terms to 84 months.
Equipment financing →Lower payments now. Options at the end — buy for $1, 10%, or FMV, upgrade, or return. Terms from 24–60 months.
Equipment leasing →Cash out equipment you already own. Unlock working capital while your equipment stays in place earning for you.
Sale-leaseback financing →Rates as low as 6.5% on used equipment. No age restrictions. Top-tier programs for established businesses.
Commercial programs →As a leading national commercial lender with affiliate partners, we've successfully financed thousands of businesses across America. From start-ups needing $25K to established companies requiring $10M+, we deliver fast, flexible solutions with exceptional service.
Rates as low as on used equipment
From a single box truck to a full dental practice build-out — a sample of what we've funded recently.
Representative recent transactions. Amounts and structures vary by deal and approval.
From trucking to dental, construction to salon — we know your industry and have programs that fit.
Box trucks, daycabs, sleepers, trailers — new & used
Yellow iron, excavators, bulldozers, loaders & more
Chairs, imaging, sterilization, handpieces, CBCT scanners
Massage chairs, pedicure stations, salon equipment
CNC machines, production lines, machine tools
$25K–$250K for new businesses with strong bank statements
Whether you're launching your dream or scaling an empire, we have programs designed for your journey.
We know starting a business is challenging — financing shouldn't add to the stress. Our start-up programs make it possible.
For businesses with operating history and cash flow, our top commercial programs offer some of the most competitive rates in the industry.
See why our clients keep coming back — and bringing their friends.
"H.I.L. Financial made the whole process incredibly smooth. Austin was straight with me about my options and got the deal done faster than I expected. Highly recommend for anyone needing commercial financing."
"I was nervous about starting my dental practice, but the team at H.I.L. walked me through every step. They found a program that worked for a start-up and got me funded for all my equipment. Couldn't be happier."
"We needed to expand our fleet fast. H.I.L. came through with competitive rates on used daycabs and the paperwork was minimal. We'll be sending all our deals their way going forward."
"Finding a lender that understands seasonal business cash flow is tough. H.I.L. worked with me to set up a customized repayment schedule that fits my budget perfectly. A+ experience."
One short application, a soft credit inquiry only, and a financing professional on your file within hours.