Equipment Financing in Aurora, CO
Equipment financing is a specialty loan or lease used by Aurora businesses to acquire vehicles, machinery, technology and other capital equipment — with the equipment itself serving as collateral. Marquette Capital Group finances equipment purchases from $10K to $5M, with terms matched to the useful life of the asset.
Because the equipment secures the loan, financing is easier to obtain than an unsecured working-capital loan of the same size. Rates are lower, terms are longer (often 3–7 years), and down payments are minimal — sometimes zero — for the right assets.
We work with virtually every equipment category common in the Denver metro: construction, commercial trucks and trailers, restaurant equipment, medical and dental, IT and telecom, manufacturing, agricultural, landscaping, and specialized industry-specific equipment.
- Vehicles for trucking, construction and service businesses
- Restaurant equipment for new locations
- Manufacturing and CNC machinery
- Medical, dental and veterinary equipment
- IT infrastructure and technology refreshes
- 1+ year in business (some programs zero-time)
- Personal FICO 600+ typical
- Equipment invoice or purchase agreement
- Basic business bank statements
- Reasonable industry experience
From intake to funded in four steps.
“Equipment financing vs. leasing is a real decision. Financing (loan) means you own the asset and can depreciate it. Leasing may offer better cash flow and easier upgrades but you don't own the asset at the end (unless you buy it out). We'll model both.”
Questions Aurora operators actually ask.
How much down payment for equipment financing?+
0–10% for most standard equipment with good buyers. Specialty or high-mileage equipment may require more.
Can I finance used equipment?+
Yes, though terms are typically shorter and rates slightly higher than new. We finance used up to a certain age depending on category.
What's Section 179 and does it matter?+
Section 179 lets you deduct the full purchase price of qualifying equipment in the year purchased, up to an annual cap. This is a major reason many owners finance equipment before year-end. Talk to your CPA — we'll get the equipment on the books in time.
Can I finance equipment for a startup?+
Yes — equipment is one of the easier programs for pre-revenue startups because the asset itself is collateral. We regularly finance first trucks, first equipment packages and first medical practices.
Lease vs finance — which is better?+
Depends on tax situation, use case, and whether you want to own the asset at the end. We'll walk through both structures.
Talk to Aurora about equipment financing.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.