Financing
Vending machine financing — fast approval, flexible terms.
Start or grow your vending business without paying cash upfront. We work with multiple lenders to get you the best terms on new or refurbished machines — most decisions come back within 24 hours.
Why choose our program
24-hour approval
Submit a short application and get a credit decision within one business day. Funding follows in 2–5 days.
Terms 24–60 months
Spread the cost of a machine across years instead of months. Match payments to your route revenue.
New and used both eligible
Finance new machines or refurbished units. Multi-machine route purchases are eligible too.
Why finance instead of paying cash
Vending machines pay for themselves — but only after they're placed and stocked. Financing lets you keep working capital free for inventory, route expansion, and operating costs while the machine pays down its own loan from monthly sales. A single well-placed smart machine can generate $300–$800/month in gross sales. Spreading the cost over 36–60 months often means the machine generates more revenue than the loan payment from month one.
What you need to apply
• Basic personal info (name, address, SSN for credit check) • Business info (if applicable — sole proprietors are fine) • Machine(s) you want to finance • Bank statements (some applications only) That's it. No tax returns required for most approvals under $25,000. Application takes about 5 minutes online.
Typical financing scenarios
• First-time operator buying one machine ($3K–$8K): 60-month term, 10% down, lowest monthly payment. • Small operator adding 2–5 machines ($15K–$40K): 48-month term, 10–15% down. • Established operator buying a route ($30K–$150K+): 36–60 month term, multiple machines, often blended with seller financing. Whatever your scenario, we'll get you a quote with no commitment.
Frequently asked questions
- What credit score do I need to qualify?
- Most approvals require a 600+ personal credit score. We work with multiple lenders, so applicants with lower scores can often still qualify with a co-signer or larger down payment.
- What are typical terms?
- Terms run 24–60 months. Rates depend on credit profile, machine cost, and term length — most approved buyers see APRs between 8% and 18%.
- How much can I finance?
- We finance machine purchases from $2,000 up to $50,000+. Multi-machine route purchases are eligible.
- Is there a down payment?
- Down payments range from 0% (for well-qualified buyers) to 20%. Most applicants put 10% down.
- How fast is approval?
- Most decisions come back within 1 business day. Funding typically takes 2–5 business days after approval.
- Can I finance a used vending machine?
- Yes. Our refurbished machines are fully eligible for financing — same terms as new units.
Get pre-qualified in 5 minutes
Soft credit pull. No commitment. See your rate and term options before you decide.
Get started