Crest Capital

Crest Capital is an independent equipment financing and leasing company based in Atlanta, Georgia. It provides loans and leases to small and medium-sized businesses across the United States that need to finance the purchase of business equipment.

Equipment financing exists because businesses often need expensive machinery, vehicles, technology, office equipment or tools to operate and grow, but paying the full cost upfront would strain cash flow or deplete working capital. Equipment financing allows a business to spread that cost over time through regular payments, typically ranging from two to five years, while putting the equipment to work immediately.

Crest Capital offers equipment loans and equipment leases. An equipment loan results in the business owning the equipment once the loan is fully repaid. An equipment lease allows the business to use the equipment during the lease term and may include an option to purchase it at the end for a pre-agreed amount. The right choice between a loan and a lease depends on factors including how long you expect to use the equipment, whether you want to own it long-term and the tax treatment you prefer.

Crest Capital works with a wide variety of business types and equipment categories, including construction equipment, medical devices, printing and graphics equipment, restaurant equipment and vehicles.

As an independent equipment finance company rather than a bank, Crest Capital may have more flexible qualification criteria and a faster approval process than traditional bank lenders. The tradeoff is that costs may be higher than bank financing for businesses with strong credit.

Before signing an equipment finance agreement, business owners should understand the total cost of financing over the full term, any early repayment terms, and how the arrangement compares to purchasing the equipment outright or financing through a bank.