Apr 1, 2026
Equipment Financing vs. MCA: What Business Owners Need to Know
A practical comparison of equipment financing, traditional bank loans, and merchant cash advances to help you choose the right funding path.
Trusted by 100+ lending partners
Equipment financing
in days, not months
Get $50K to $2.5M in working capital through our creative equipment financing program. Faster than banks, more affordable than merchant cash advances.
2-4
Weeks to fund
$2.5M
Maximum funding
100+
Lending partners
95%
Approval rate
Solutions
Tailored financing solutions for
your business needs
Explore our specialized solutions designed to fuel your business growth, whether you need working capital, equipment financing, or a robust vendor program.
Working Capital Program
Our creative financing program delivers working capital through an equipment financing structure. Get funded in 2-4 weeks with competitive rates and potential tax deductions under Section 179.
Equipment Financing
Finance new or used equipment across IT, telecom, document management, construction, medical, and more. Flexible terms with access to 100+ lending partners across the US and Canada.
Vendor & Dealer Programs
Offer your customers built-in financing at the point of sale. We partner with dealers and vendors to create turnkey financing programs that close more deals.
Process
Four steps to funding
From application to capital in as little as two weeks. No hidden fees, no daily debits.
1
Pre-qualify
Fill out a short application. We check eligibility: 5+ years in business, $1M+ revenue, clean credit.
2
Consultation
Speak with our team to discuss your needs, timeline, and the best program structure for your business.
3
Documentation
Submit your credit app, 2 years of tax returns, and 3 months of bank statements. We match you with the right lender.
4
Get funded
Receive approval and funding in 2-4 weeks. Equipment delivered and working capital available to grow.
Comparison
The better alternative
See how our creative financing program compares to traditional options.
| NexTech | Traditional Bank | MCA / Factoring | |
|---|---|---|---|
| Funding speed | 2-4 weeks | 3-5 months | 1-2 weeks |
| Effective cost | Competitive rates | Low but slow | Very high (80-120% APR) |
| Tax benefits | Section 179 eligible | Varies | None |
| Repayment | Fixed monthly | Fixed monthly | Daily/weekly debits |
| Balance sheet | Asset-based (favorable) | Adds debt load | Cash flow strain |
Partnerships
Brokers, ISOs &
dealers welcome
Whether you're an MCA broker looking for a better product, or a dealer wanting built-in financing, we have a program for you.
For MCA Brokers & ISOs
Offer your clients a lower-cost alternative with better terms. Earn referral commissions on every funded deal.
For Equipment Dealers & Vendors
Embed financing directly into your sales process. Help your customers afford more while increasing your close rates.
Industries we serve
IT & TechnologyConstructionTelecommunicationsMedical & HealthcareDocument ManagementRestaurantsManufacturingTransportationOffice EquipmentProfessional Services
Insights
From the blog
Mar 28, 2026
Why Equipment Financing Is the Smarter Path to Working Capital
Banks are too slow. MCAs are too expensive. There's a better way to get the capital your business needs to grow.
Get started
Ready for faster,
smarter financing?
Stop waiting months for bank approvals or overpaying with merchant cash advances. Get pre-qualified in minutes.
No obligation. No impact to your credit score.