Ameris Bank Equipment Finance

What does Ameris Bank Equipment Finance offer?

Ameris Bank Equipment Finance offers loans and leases for equipment, technology and vehicles, with the asset itself at the centre of the deal. Because it sits inside a bank, you can also reach conventional small business loans and SBA loans through the same relationship. It works directly with business owners and through equipment vendors and franchise systems, which matters if your dealer already has a program with them. Our equipment financing page explains how a loan and a lease differ in cost and ownership.

Who does Ameris Bank Equipment Finance fund, and who do they decline?

It funds US businesses buying equipment, technology or vehicles, including franchise operators and the customers of its vendor partners. The profile does not publish a funding range, minimums or decline criteria.

As a bank division, expect bank style underwriting: a reasonable credit profile, time in business and the ability to show the equipment will pay for itself. A newer business with weaker credit is more likely to be funded by a specialty lender such as NFS Capital, which publishes that it finances companies banks will not. Businesses outside the United States are not covered.

What does it typically cost and how fast is it?

Ameris does not publish rates, fees or funding times; pricing is quoted per file and depends on the asset, its age, the term and your credit. Bank equipment loans are usually among the cheaper options for a strong borrower, and the typical range for the product is on our equipment financing page. Vendor programs can move quickly on standard assets, while a custom or used asset usually takes longer because the bank has to value it.

What will you need to apply?

Equipment deals start with the asset. Have the equipment quote or invoice, the vendor's details, a description of the asset and its intended business use, and whether you want a loan or a lease. Add recent bank statements, business tax returns and financial statements for larger amounts. Our document checklist covers the full set.

How does Ameris Bank Equipment Finance compare with similar lenders?

NFS Capital is the specialty alternative: it finances $150,000 to $20 million of equipment for companies outside bank credit criteria and gives credit decisions in 24 to 48 hours. National Funding is the online option, pairing equipment financing and leasing with working capital for smaller deals. Ameris is the one to try first if your credit and time in business are solid, because bank pricing is usually the lowest of the three.

How to apply

Apply once on this site and matching shows whether Ameris Bank Equipment Finance, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.