A press brake, a CBCT scanner, a lighting package, an excavator, a dump truck, a rack of squat racks. The equipment changes, and so does the lender who understands it. What doesn't change is having someone working your file until the terms are worth signing.
Lenders are not interchangeable. Each one has a credit box, and that box is shaped by what it understands: the equipment, how it holds value, how the businesses that use it actually earn. A lender comfortable with a machine shop may have no idea what to do with a camera package, and one that writes vocational trucks all day may pass on a dental operatory without a second look.
Sending your file to the wrong lender is how good deals get declined. Placement is most of the job. The industries below are where we focus, which means they are where we put the most work into understanding who writes this paper and on what terms. They fall into three groups — industrial and production operations, practice and clinic businesses, and vehicle-based businesses — and the lenders behind each group are largely different sets.
They are a starting point, not a boundary. If you are a commercial business acquiring equipment and you don't see yourself below, it is still worth a call.
Production machinery of every kind, not one niche of it. A shop adding capacity, a plant replacing an aging line, a growing operation bringing work in-house instead of farming it out. Garment and textile production is a category we pay particular attention to — printing, cutting, sewing, knitting, and the finishing and converting equipment behind it — alongside the broader industrial floor.
These purchases rarely arrive as one clean invoice. Freight, rigging, install, tooling and a service contract usually ride along with the machine, and a schedule that leaves them off gets revised later at a worse moment. Manufacturing equipment also tends to be durable, serviceable collateral that holds value, which works in your favor when the file presents it that way.
Dye sublimation, wide-format roll-to-roll, calender and heat-transfer presses, DTG and DTF with curing and shakers, screen printing, conveyor dryers, exposure and reclaim
Automated cutters, spreaders, die cutters, single- and multi-needle machines, overlock and coverstitch, automated sewing units, multi-head embroidery
Circular knitting, warping, weaving looms, tenter frames, dye and finishing ranges, washers and steamers
Slitters, rewinders, laminators, coaters, and roll-to-roll converting lines
CNC routers, mills and lathes, cutting and engraving systems, press brakes, shears, welding
Injection molding, thermoforming, assembly, automation and robotics
Label, flexo and digital presses, print finishing and bindery, filling, labeling, sealing, case-packing automation
RF welders, bagging lines, compressors, boilers, forklifts and racking, dust collection and air handling
Practice equipment in the $25,000 to $150,000 range, organized by specialty — dermatology, dental, podiatry, orthopedics and sports medicine, physical therapy and rehabilitation, regenerative medicine, and the practices that buy in the same band. This is the industry our principal came from, having built and run an equipment financing program inside a medical device company.
A practice sits behind a professional license, bills through payers on a lag, and usually buys as a package rather than a single machine. Those facts change how the file should be structured and how the equipment schedule should be presented. Knowing that going in is what keeps a file from being sent somewhere it was never going to work.
CBCT and digital radiography, extremity CT, DEXA, musculoskeletal ultrasound, mini C-arm fluoroscopy, OCT and visual field
Procedure and surgical tables and chairs, operatory packages, surgical lighting, sterilization centers and autoclaves
Histology and pathology, chairside mills and 3D printers, orthotic fabrication, edging labs, PRP and BMAC processing
Shockwave and EPAT, spinal decompression and traction, combination therapy units, gait and motion analysis, rehab gym packages
Owner-operators, rental houses, production companies and post facilities buying camera and lens packages, lighting and grip, sound, monitoring, and the edit and broadcast rooms behind them — along with the trucks and vans that move all of it.
The credit conversation here is about income shape, not the gear. Production revenue arrives project to project, an owner may run through more than one entity, and a strong year can sit next to a thin one for reasons that have nothing to do with how the business is run. A file like that needs to show the pattern deliberately, with the working history behind it, rather than leave an underwriter to read the gaps as instability. The equipment itself is well-specified and holds value on an active used market, which helps once the income question has been answered properly.
Cinema bodies, prime, zoom and anamorphic lens packages, wireless video, matte boxes and filtration, follow focus
LED fixtures and panels, HMIs, tungsten, distro and cable, generators, stands and flags, dollies, jibs and cranes, stabilized rigs
Mixers and recorders, wireless mic packages, boom and lav kits, timecode and playback, on-set monitors, DIT carts, video village
Edit and color suites, workstations, shared storage, switching and streaming gear, grip and lighting trucks, cargo vans, sprinters, trailers
Practices buying their first operatory, adding chairs, bringing imaging in-house, or building out a new location. These files often combine equipment with build-out costs and sit behind a professional license, which changes how they should be structured and presented. Healthcare is the deepest part of the lending market we work in, and dental and veterinary sit inside it rather than off to one side.
Chairs, delivery units, lighting, cabinetry, surgical suites
CBCT, digital and panoramic x-ray, intraoral scanners, ultrasound
Surgical tables, anesthesia, monitoring, lab and diagnostic equipment
Autoclaves, compressors, vacuum systems, practice build-out
General contractors and the trades: the crews growing a fleet, replacing a machine that's costing more in downtime than it's worth, or taking on bigger jobs than the current equipment can handle. Seasonal and project-based revenue is normal in this work, and the file should present it that way rather than dance around it.
Excavators, skid steers, loaders, dozers, backhoes, lifts
Buckets, breakers, compaction, generators, light towers
Work trucks, dump and flatbed, service bodies, equipment trailers
HVAC, electrical, plumbing, concrete, paving, and site tooling
Owner-operators and small fleets adding capacity, replacing a unit that has aged past its useful life, or taking on contracts the current trucks can't cover. Titled equipment is financed differently from equipment that bolts to a floor: age and mileage limits matter, collateral is straightforward, and the credit conversation is often about the operator rather than the asset.
This sits directly alongside our construction work — a contractor buying a dump truck and a contractor buying an excavator are frequently the same customer on the same expansion.
Dump, flatbed, service bodies, tow and recovery, utility
Day cabs, sleepers, and regional over-the-road units
Dry van, reefer, flatbed, lowboy, and equipment trailers
Box trucks, cargo vans, and route-based delivery fleets
Independent repair shops, collision centers, fleet maintenance operations, and tire and alignment businesses. Shop equipment is durable, long-lived collateral, which helps — but many of these businesses are owner-operated with thinner financial statements than their revenue would suggest, so the file has to do the explaining.
Two-post, four-post, in-ground lifts, alignment racks
Scan tools, ADAS calibration, air systems, shop tooling packages
Paint booths, frame machines, welders, prep stations
Changers, balancers, and heavy-duty truck tire service
Boutique studios, independent gyms, training facilities, and the second locations that follow the first one working. These are build-out-heavy businesses whose revenue ramps with membership rather than arriving on day one, and the equipment list often runs alongside a lease and a construction budget. A file like that needs to show the ramp deliberately rather than leave an underwriter to assume the worst.
Racks, plate-loaded and selectorized, free weights, turf and rigs
Treadmills, bikes, rowers, and connected or programmed systems
Compression, contrast and recovery equipment for training facilities
Flooring, mirrors, sound and lighting, front desk and POS
These eight are where we focus, not the limits of what we take on. Commercial equipment financing works largely the same way across industries: one application, a soft credit pull, a properly packaged file, and placement with lenders that fit the business and the equipment.
If you are a commercial business acquiring equipment, tell us what you're buying and we'll give you a straight read on whether we can help. If we can't, we'll say so.
Jackson Capital arranges commercial equipment financing only, for business use. We do not arrange consumer financing of any kind.
