Starting a business takes the right equipment and the right financing. Centra offers equipment financing designed for startups and newer businesses, helping entrepreneurs get the equipment they need while preserving working capital.
Equipment Financing Built for New Businesses
Starting a business often means purchasing equipment before you have years of operating history. Centra takes a different approach, looking at your overall financing needs and helping you find an option that works for your new business.
Preserve Working Capital
Keep cash available for payroll, inventory, marketing, and operating expenses.
Support Business Growth
Invest in the equipment your business needs while maintaining financial flexibility for future opportunities.
Predictable Monthly Payments
Spread equipment costs over manageable monthly payments that fit your budget.
Get Equipment Now
Start generating revenue without waiting until you've saved the full purchase price.
Why Equipment Financing Makes Sense for Startups
Your cash has a lot of jobs when you’re starting a business. Financing equipment lets you spread the cost over time, helping preserve cash for payroll, inventory, marketing, rent, and the other expenses that keep your business moving.
Startup Financing at a Glance
Businesses Under 2 Years Old
Finance Up to $75,000
Credit Scores 650+
Fast Approval Decisions
Preserve Working Capital
Keep cash available for payroll, inventory, marketing, and other business expenses.
Need More Than $75,000?
Speak with our financing team about additional financing solutions.
What Can You Finance?
Centra provides startup equipment financing across a wide range of industries and equipment types.
Centra Funding provides startup equipment financing for businesses across a wide variety of industries, including:
- Restaurant Equipment
- Medical Equipment
- Dental Equipment
- Construction Equipment
- Manufacturing Equipment
- Commercial Vehicles
- Office Furniture
- Commercial Vehicles
- Technology & Computers
- Printing Equipment
- Fitness Equipment
- Salon & Spa Equipment
- Agricultural Equipment
A Simple Startup Financing Process
Our process is designed to be simple, fast, and easy. We manage the financing so you can stay focused on growing your business.
Online Application
Complete a secure online application.
Review
Our financing specialists review your application and identify the best available financing options.
Finalize Purchases
Select your equipment and finalize your purchase with your vendor.
Get Your New Equipment
Once approved, Centra Funding pays your equipment vendor so you can put your new equipment to work.
Startup Financing FAQs
Can startups qualify for equipment financing?
Yes. Centra Funding offers financing programs specifically designed for startups and businesses operating for less than two years.
Do I need two years in business?
No. Our Startup & New Business Program was created specifically for businesses with less than two years of operating history.
How much can I finance?
Qualified applicants may finance up to $75,000 through our Startup & New Business Program. Additional financing options may be available for larger equipment purchases.
What credit score do I need?
Our Startup & New Business Program is generally designed for qualified borrowers with credit scores of 650 or higher. Additional financing options may be available depending on the transaction.
Can I finance used equipment?
Yes. Many used equipment purchases qualify for financing depending on the equipment type, age, condition, and overall transaction.
Will applying affect my credit score?
Your application begins with a soft credit inquiry. Additional authorization may be required later in the approval process.
What industries do you finance?
We finance equipment for businesses across many industries, including restaurants, healthcare, construction, manufacturing, technology, retail, fitness, automotive, and professional services.
