Equipment financing is a commercial loan structure secured by the asset itself, letting businesses acquire machinery, trucks, computers, or specialty tools without depleting cash reserves. Lenders advance funds to purchase or lease the equipment, and the business repays over a term that matches the asset's useful life. Because the equipment serves as collateral, approval timelines compress and underwriting focuses on the asset's value and revenue potential rather than balance-sheet depth alone. For Riverton companies along the Redwood Road corridor or near Mountain View, this structure turns a six-week bank process into a five-day funding event.