Trust Is Our Foundation where partnerships matter explore your options Flexible Financing for Hard Workers We know you have options when it comes to financing your equipment. That’s why we’ve built our foundation on genuine trust, earned by providing solutions that matter. As a customer, you know a thing or two about getting the job done. Here at Northland Capital, we know how to make financing as simple as possible. Whether you’re upgrading machinery, adding to your fleet, or replacing a workhorse that’s earned its rest, we’re here to make it easy. With straightforward terms, quick approvals, and real people guiding you every step of the way, you’ll have the tools and equipment you need to keep your business moving forward—without missing a beat. Simple steps. Lasting success. Apply in Minutes Apply in Minutes Complete a universal application to see what you qualify for, or explore other financing options within minutes right here, right now. Fast Approval Fast Approval Once approved, we’ll connect with your equipment vendor and pay them directly so your purchase is seamless and your financing simple. Success & Support Success & Support Put your equipment to work and keep growing, knowing our team is here to support you — from your first application to bright future. apply Now Equipment: Keeping You Moving No matter what drives your business — from fields and job sites to fleets and factory floors — we finance the equipment that keeps you moving. Our flexible programs are built for hardworking businesses across a wide range of industries, with options for both new and used equipment.Don’t see what you’re looking for? Connect with us, we’ll dig deeper. Agriculture Agriculture We support vendors who keep farms productive and growing. Our programs help customers upgrade equipment quickly while managing seasonal cash flow. Construction Construction We help construction vendors move projects forward with flexible financing options. Customers get the tools they need while you keep sales steady. Transportation Transportation We work with transportation vendors to keep fleets on the road and goods moving. Fast approvals and simple terms make it easy for customers to expand operations. Environmental Environmental We partner with vendors serving vital environmental and waste operations. Our financing helps businesses invest in efficient, sustainable equipment. Customer Resources We make it easy to manage your financing every step of the way. Whether you’re applying for new equipment, checking account details, or connecting with our team, you’ll find everything you need right here. Explore Resources Get More Clarity frequently asked questions We believe in keeping things simple. Explore answers to the most common questions about equipment financing and working with our team. How does equipment financing work? It’s simple. You choose the equipment you need from your equipment seller, then complete a quick application with Northland Capital. Once approved, we’ll handle the funding directly so you can take delivery right away. From there, you make payments to Northland Capital while your equipment goes to work for you, helping your business grow without tying up cash flow. How do I apply? You can apply online using our secure application form or connect directly with one of our financing specialists. To get started, you’ll just need basic business and equipment details—such as your company name, years in business, and estimated equipment cost. We’ll take it from there and guide you through the process step by step. Do you finance used equipment? Yes! Northland Capital finances both new and used equipment. Whether you’re upgrading, expanding, or purchasing pre-owned assets, our flexible financing options are designed to fit your equipment needs and budget. What is your turnaround time? We know time matters when it comes to getting equipment in the field or on the job. Most applications receive a response in under 30 minutes. What industries do you serve? We proudly serve businesses across four core industries: Agribusiness, Construction, Environmental, and Transportation. Our experience in these markets means we understand your equipment, your challenges, and how to create financing that works for your operation. Who can I contact with questions about my financing? Our friendly team is here to help. You can reach your financing specialist directly or contact our customer service team at 888-504-0020. Whether you have a question about payments, terms, or your agreement, we’re always just a call or click away. Where are you located? Our main office is located in St. Cloud, Minnesota, but we proudly serve equipment buyers and vendors nationwide. No matter where you do business, Northland Capital provides responsive, relationship-driven equipment financing across the U.S. Featured News Power Pair: Section 179 and Bonus Depreciation With the passage of the One Big Beautiful Bill, the combination of Section 179 expensing and bonus depreciation is more powerful than ever. Together, these tax… read more Tax Law Boosts Equipment Financing and Business Savings For business owners looking to invest in growth, the One Big Beautiful Bill (OBBB) delivers sweeping changes that make it easier, and far more rewarding,… read more Lessons of Northlandia: 30 Years of Growth This year we took our annual theme farther than ever before as we worked with an artist to design a theme park. Inspired by the imagination and… read more View More news We're super pleased with the financing process. It was quick, easy, and we look forward to financing future equipment with Northland Capital. Everything went right. This organization has been a blessing to our company and believe this is just the beginning of a great funding partnership moving our company forward.