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BreadRoute Review
Equify Financial
3.5Our Equify Financial Review
Equify Financial is a Fort Worth, TX-based nonbank lender founded in 2011, serving businesses across the United States. It specializes in equipment financing and leasing for asset-heavy industries — construction, agriculture, aviation, energy, forestry, and machine tools — and also offers working capital and debt restructuring solutions. Financing goes up to $500,000, with a minimum credit score of 650 and at least two years in business required. Unlike bank lenders, Equify emphasizes a flexible approval approach designed to work around the gaps traditional lenders leave. In early 2026, the company secured a $100 million capital facility with JPMorgan Chase, reflecting meaningful institutional backing. A good fit if you need equipment financing outside a conventional bank structure.
Who Is Equify Financial Best For?
Based on eligibility requirements and available products.
- Businesses with good (but not perfect) credit
- Businesses that need equipment or machinery financing
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
Eligibility Requirements
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Other Nonbank Lender lenders
Equify Financial Pros & Cons
Pros
- Lends nationwide
- Wide range of financing products
Cons
- Requires 2 Years in business
Frequently Asked Questions
Equify Financial offers financing in the range of Up to $500,000.
Equify Financial typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Equify Financial offers the following financing products: Equipment Finance, Asset-based Lending, Line of Credit, Term Loan.
Equify Financial requires a minimum of 2 Years in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Equify Financial provides financing to businesses across the United States.
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