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How Fast Can I Get Equipment Financing? (And What Speeds It Up)

How Fast Can I Get Equipment Financing? (And What Speeds It Up)

How Fast Can I Get Equipment Financing? (And What Speeds It Up)

Avtech Capital

Jun 2, 2025

5

min read

Jun 2, 2025

5

min read

For capital-intensive businesses, timing can mean everything. Whether you're replacing a critical piece of machinery or scaling to meet a new contract, delays in equipment financing can stall operations and jeopardize growth.

At Avtech Capital, we’ve seen this scenario play out far too often: the opportunity is there, but the capital isn’t. The question we hear from finance leaders again and again is:

"How fast can we actually get equipment financed?"

Let’s break down the real timeline, and more importantly, what you can do to accelerate it.

The Real Timeline: Bank vs. Private Capital

For traditional banks, getting equipment financing can take anywhere from weeks to months. Extensive financial disclosures, underwriting hurdles, and restrictive covenants often slow things down.

By contrast, private capital lenders with in-house underwriting can complete deals in as little as 2 to 10 business days, depending on deal complexity.


Lender Type

Typical Approval Time

Funding Speed

Traditional Banks

4-12 weeks

Slow (multi-layered)

Vendor Financing

2-4 weeks

Medium (limited flexibility)

Avtech Capital

2-10 business days

Fast, flexible


What Speeds Up the Process?

Fast financing doesn’t just happen by luck. Here’s how to move quickly:

1. Pre-qualify Early

If you're actively shopping for equipment, pre-qualification ensures you're ready to move when the right opportunity comes. At Avtech Capital, we offer fast pre-approvals so you can negotiate with confidence.

Pro tip: Pre-qualification also protects against rising interest rates and supply chain delays by locking in terms early.

2. Have Core Docs Ready

The faster we receive your financials, the faster we can underwrite. Be ready with:

  • 2–3 years of financial statements

  • Recent interim statements

  • Equipment quotes or invoices

  • Company overview or executive summary

The most common delay we see is incomplete or outdated documentation.

3. Work with a Direct Lender

Third-party platforms add friction. Avtech handles everything from credit review to vendor coordination in-house, eliminating unnecessary layers and delays.

4. Use a Flexible Financing Structure

If you're waiting for CapEx approval, traditional loans might tie your hands. Leasing structures, especially operating leases or sale-leasebacks, can move faster and avoid complex board-level approvals.

Why Speed Matters More Than Ever

In an environment of:

  • Rising interest rates

  • Vendor inventory shortages

  • Contract-driven growth timelines

…financing agility is a competitive advantage.

When equipment financing is fast, companies can:

  • Seize limited-inventory opportunities

  • Lock in pricing before vendor terms change

  • Meet contractual delivery obligations

  • Launch or scale operations on schedule

Conclusion: Don’t Let Capital Be the Bottleneck

At Avtech Capital, we understand that timing is everything. That’s why we’ve built a financing process designed for speed, simplicity, and flexibility.

Need fast, tailored equipment financing?

Start a conversation with our team

Written by

Avtech Capital

Avtech Capital

Avtech Capital offers customized financing solutions to help achieve your company's goals effectively.


Avtech Capital offers customized financing solutions to help achieve your company's goals effectively.


Avtech Capital offers customized financing solutions to help achieve your company's goals effectively.


Avtech Capital offers customized financing solutions to help achieve your company's goals effectively.


© 2025 AvTech Capital, LLC

All Rights Reserved.

© 2025 AvTech Capital, LLC

All Rights Reserved.

© 2025 AvTech Capital, LLC

All Rights Reserved.

© 2025 AvTech Capital, LLC

All Rights Reserved.