Shows where similar files tend to price. What typically makes a file strong: time in business, revenue stability, credit history, and any financing you already carry. Stronger files price lower in the range. Industry pattern, not a quote.
Estimate only. A partner's written offer controls.
How this estimate works
Actual amounts, structures, and pricing are set by independent funding partners and depend on your credit, the asset, time in business, and lender channel. Your offer will differ. The ranges shown are industry market data from published sources as of Jul 2026, not OpenQuote pricing. Partner fees, if any, are itemized on the offer itself: ask for all of them in writing.
Most equipment financing lands in the 36 to 60 month window, capped by the useful life of the asset. The estimate uses a level monthly ACH payment. Equipment loan or EFA. You own the asset from day one against a UCC-1 filing until payoff, and the payment fully amortizes the amount financed. The tool treats the APR-equivalent as the cost of the financing and amortizes it over the term as a level monthly payment. Figures are approximate; the signed agreement governs.
The small-ticket securitized record averages about $80,000 per financed contract. A directional aggregator population figure is about $127,000, with a median near $48,000. These are context, not a suggested amount or OpenQuote pricing. The market range for a captive, bank, or SBA equipment deal runs 5.0% to 13.0% APR-equivalent, centered near 7.5% (public market data, Jul 2026). Not OpenQuote pricing. Files like this typically land between 6.5% and 8.5% APR-equivalent at this term in this channel (industry pattern, not a quote). The 7.5% APR-equivalent sits right at the market center for a captive, bank, or SBA equipment deal.
- KBRA-rated equipment-ABS pools (Post Road 2025-1 and 2026-1, Wingspire 2025-1, SCF 2025-1): realized weighted-average contract yields of about 9.0% to 10.5% on prime contracts (FICO 716 to 761), anchoring the independent-channel center.
- ELFA 2025 Survey of Equipment Finance Activity (full-year 2024): industry portfolio pre-tax yield 7.40% over a 4.81% cost of funds, a thin 2.59% spread, with losses under 1%. Anchors the captive, bank, and SBA channel center.
- United Community Banks Form 8-K (Navitas, a bank-owned small-ticket platform), 1Q25: portfolio yield 9.70% on a 761 weighted-average FICO book.
- John Deere Owner Trust captive equipment ABS (JDOT 2026): blended captive portfolio APR about 4.0%, up from a near-zero 2022 vintage; 0% promotional offers are labeled floors, not the channel center.
- SBA 504 fixed equipment money about 6.2% (July 2026) and the 7(a) program cap near 9.75% to 14.75% at a 6.75% base; sets the low and the top of the prime channel.
- Small-ticket securitized contract averages (Amur about $79,549, AFG about $81,092 on FICO-747 contracts): the sold-price ticket anchor, distinct from the higher aggregator population figure.
- Online and fintech figures rest on aggregator and lender-page ranges only (National Funding, Clicklease, Crestmont); the securitized record is entirely prime and tops about 10.5%, so this channel is directional.
Educational market data with full citations on file in substantiation/equipment-pricing-2026-07.md. Not OpenQuote partner pricing, and not a quote.