Financing for the machines that build your business.
Seaboard Equipment Finance is a specialist brokerage for three worlds banks treat as afterthoughts: construction iron, medical equipment, and restaurant kitchens. Fast approvals, structures that fit your cash flow, and lenders who say yes to the deals others decline.
Financing built around how you actually work
Pick your vertical for the equipment we finance most, the structures that fit, and the tax advantage — or download a one-page sell sheet to share.
Keep your cash on the job, not tied up in iron..
Excavators and skid steers lead the way — the highest-volume, fastest approvals. Once your first machine is funded, the loader, the truck, and the attachments are easy.
Preserve your capital. Upgrade without the obsolescence risk..
Big-ticket, technology-driven equipment leads — where leasing beats owning because the cost is high and the technology refreshes fast.
Finance the whole kitchen.
Refrigeration and the cooking line lead — strong collateral means fast approvals, even for newer operators. Then we route the build-out to the right SBA or working-capital program.
The specialist advantage
A specialist, not a rate-shopper
We finance three things deeply — construction iron, medical equipment, and restaurant kitchens — so we understand your business, not just your credit score.
Speed banks can’t match
App-only approvals up to $250k, decisions in hours, and digital signing. You move when the deal is in front of you.
Structure that fits your cash flow
Seasonal payments, deferred starts, FMV leases, SBA packages, and sale-leasebacks — matched to how your business actually earns.
The deals others decline
Used, private-party, and auction purchases, startups, and build-outs banks won’t touch — placed with lenders who say yes.
From application to equipment in three steps
Tell us what you’re financing
Send the equipment or project details and a one-page application — most deals need no financial statements.
We shop our lender network
We match your deal to the right lender and structure across our A, B/C, and story-credit relationships.
Sign and put it to work
Digital signing, the seller or vendor is paid, and your equipment starts earning — often within 24 hours.
Write off your equipment this year
For 2026 you can deduct up to $2.56M of new or used equipment under Section 179, with 100% bonus depreciation restored. Use our calculator to see how your first-year tax savings stack up against your payments.
2026 federal limits. Section 179 is capped by taxable income; bonus depreciation is not. Confirm specifics with your tax advisor.
Let’s get you approved.
Tell us what you’re financing. We’ll bring back real terms — often within 24 hours.