360 Equipment Finance

360 Equipment Finance is an Austin, TX-based nonbank lender offering equipment financing to small and mid-sized businesses across the United States. The company traces its roots to Mantis Financial, founded in 2001, and has funded over $200 million in equipment costs since inception. Financing ranges from $5,000 to $10 million, making it flexible enough for a wide range of purchases. Qualifying requires a minimum credit score of 625, at least $5,000 in monthly revenue, and two years in business. A good fit if you've been turned away by traditional lenders — 360 leans on non-traditional credit underwriting and equipment value-based decisions rather than strict bank criteria. The lender also works with brokers and vendors seeking a financing partner.