But if it was equipment financing you're thinking about...
Try joining a credit union, moving some money to it in a savings account and then using the account for security to back a loan. The rates are a little under 5% (well, it is a secured loan) and the paydowns are like other loans - 36, 48 months and so forth. Just don't get in over your head, because you'll be holding the equipment and they'll be spending your savings.