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.
Established
You’ve been in business for two years or more.
Comprehensive
You need 100% financing for your equipment.
Timely
You’re looking for a quick turnaround on your application.
Whatever your lending needs, we’ve got a lending solution that makes sense for your business. Explore your options using this comparison chart.
 Business Line of Credit |
 Business Term Loan |
 Business Owner-Occupied Commercial Real Estate Mortgages± |
 Business Equipment Finance |
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| Great 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 |
| Potential Uses |
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| Available Amounts and Details |
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 Loan |
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 |
| Additional Benefits |
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| Learn more Get in touch | Learn more Get in touch | Learn more Get in touch | Learn more Get in touch |
Affordable
Benefit from low fixed rates and put as little as 0% down.
Comfortable
Get up to 100% financing for all of your equipment, including soft costs.
Easy
Take advantage of fast credit decisions.
Please, tell us where you live so we can give you accurate rate and fee information for your location.
Any accounts opened online will be assigned to the branch closest to your residential zip code, and will receive the interest rates and APYs available at that branch.
Discover additional services that may benefit your business.
Term Loan
Borrow just what you need, and take advantage of predictable monthly payments.
SBA Guarantee
Financing programs from the Small Business Administration can get you the loan you need.
Checking Accounts
Choose one of our many checking solutions, designed to fit your business.
* 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.
