Santander Business Equipment Financing*

Make sure you always have the equipment you need to keep your business moving forward. Choose Santander Business Equipment Finance and enjoy quick credit decisions, and the support of a local banking partner.

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Is Santander Business Equipment Finance Right For Your Business?


You’ve been in business for two years or more.


You need 100% financing for your equipment.


You’re looking for a quick turnaround on your application.

Compare Santander Business Equipment Finance to our other lending options

Whatever your lending needs, we’ve got a lending solution that makes sense for your business. Explore your options using this comparison chart.

  woman hanging seasonal sign
Business Line of Credit
man pulling rope out of water on side of boat
Business Term Loan
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Business Owner-Occupied
Commercial Real
Estate Mortgages±
robotic manufacturing arm
Business Equipment Finance
Choice For
Short-term working capital financing needs Financing needs requiring longer term to pay Purchase, renovate, or refinance owner occupied commercial real estate Financing equipment and vehicles
  • Finance accounts receivable
  • Purchase inventory
  • Support seasonal cash flow fluctuations
  • Acquire fixed assets
  • Refinance non-Santander debt with fixed monthly payments
  • Acquire commercial real estate
  • Improve or expand existing building
  • Refinance non-Santander existing real estate debt
  • Acquire vehicles or equipment, some of the qualifying vehicles and equipment include medical, construction and agricultural
Revolving lines for amounts starting at $10,000 Minimum amount to borrow $10,000 Minimum amount to borrow $25,000 Minimum amount to borrow $50,000
Length of
Revolving with renewals occurring once a year for lines of credit greater than $750,000. From 3 years to 7 years Up to 25 years From 3 years to 10 years
  • Unsecured lines up to $150,000
  • No financial statement required at time of application for line of credit requests up to $150,000#
  • Fixed interest rates 
  • Finance up to 80% of the lesser of the purchase price or appraised value
  • Available 100% financing of costs including taxes, freight, installation, software, warranties and training
  • Low fixed or floating rates available

Benefits of Santander Business Equipment Finance


Benefit from low fixed rates and put as little as 0% down.


Get up to 100% financing for all of your equipment, including soft costs.


Take advantage of fast credit decisions.

Meet Your Business Banking Specialists
Santander's knowledgeable business bankers are ready to help you choose the right banking solutions for your business. Contact us today.

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Serving Business with x qualifications



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Additional Accounts

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* The products and information provided on this page are only for small businesses with annual revenues up to $3,000,000, subject to acceptance rules, policies, and guidelines of Santander Bank, N.A. For other Business Banking customers with a dedicated relationship manager, please contact your relationship manager directly.

±Owner-occupied real estate is defined as property where the owner-operating company occupies more than 50% of the gross rentable space, and generates more than 50% of the cash flow necessary to service debt; otherwise, property is considered Investment Real-estate. 

#For BLOC applications between $10,000 and $150,000 financial statements will be required at the time of application if : (1) your business is a not-for-profit organization; or (2) your business’ existing Santander Bank business credit exposure at time of loan application in addition to the loan application request amount exceeds or will exceed $150,000; or (3) your business’ existing Santander Bank business credit exposure at time of loan application in addition to the loan application request amount is more than 10% of your business’ most recent annual sales

100% financing of equipment and vehicle cost is only available for businesses that have been in legal and/or operating existence for two or more years prior to the date of receipt of completed application by Santander Bank. 80% financing of equipment cost is available to businesses that have been in legal and/or operational existence less than 2 years as of the date of receipt of completed application by Santander Bank.