Starting or scaling a drug & alcohol testing business often means buying gear before the revenue shows up — breath testing devices, instant-test analyzers, lab equipment, even a mobile collection unit. These companies finance or lease that kind of equipment. Use the list as a starting point, then compare offers carefully.
Equipment financing and leasing typically apply to the durable assets a testing operation needs to get running:
| Company | Best fit for | What to know |
|---|---|---|
| First American Equipment Finance | Established businesses, small to large | Offers both equipment leases and loans, available to businesses nationwide. |
| AP Equipment Financing | Newer businesses buying their first equipment | Flexible financing structured specifically around business equipment purchases. |
| Paramount Finance | Owners who need funding quickly | Known for fast approvals across a wide range of commercial equipment. |
| McKinley Equipment Finance | Medical & laboratory equipment | A natural fit for testing- and lab-related equipment purchases. |
| Hemlock Equipment Finance | Lab & medical equipment | Offers both lease and finance structures for lab and medical gear. |
| Access Financial (SnapLease) | Borrowers with mixed or limited credit | Equipment leasing across a broad set of industries and credit profiles. |
| iLease Capital | Straightforward equipment purchases | Places deals through a network of lenders to find you a fit. |
Financing an EBT or an analyzer is a business decision, not just a monthly payment. A few things worth checking before you sign:
With a loan/finance you own the equipment at the end. With a lease you may return, renew, or buy it out — know which one you're signing and what happens at term-end.
Ask for the APR (on loans) or the money/lease factor and the total of all payments — not just the monthly figure. Compare the all-in cost across offers.
Match the term to how long the equipment will actually serve you. Financing a device over far more years than it lasts quietly inflates the cost.
Many lenders approve smaller amounts on a one-page application; larger deals need full financials. Ask where that threshold sits.
New businesses are usually asked to personally guarantee the loan. Understand exactly what you're on the hook for before agreeing.
Check whether you can pay off early without penalty. And ask your accountant whether the purchase qualifies for a Section 179 deduction.
Please note: This directory is provided for convenience only. TestRight Academy is not a lender or a broker, is not affiliated with the companies listed, and does not endorse or recommend any particular one — inclusion here is not a recommendation. Rates, terms, program details, and availability change and vary by applicant; confirm everything directly with the company. Nothing here is financial, tax, or legal advice — consult a qualified professional before financing equipment.
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