Equipment Financing

EQUIPMENT FINANCING

Buy or lease equipment without tying up cash.

The equipment itself secures the financing, so qualifying is easier and rates are competitive. From food service refrigeration to heavy construction equipment.

Why equipment financing usually beats paying cash.

Equipment financing is one of the most efficient ways to acquire physical assets your business needs. Because the equipment is collateral, underwriting is faster and cheaper than unsecured working capital, and you preserve cash for higher-ROI uses. We structure both loans (you own the equipment) and leases (lower payment, return at end-of-term).

Tax benefits are real: Section 179 and bonus depreciation can let you deduct most of the equipment cost in the year of purchase, sometimes turning the financing into a near-net-zero cash event after tax.

KEY TERMS

Equipment financing specs

Range

$10K to $1M+ depending on equipment type and borrower profile.

Structure

Loan or lease. Terms 24 to 84 months. Equipment is collateral.

Tax angle

Section 179 and bonus depreciation may apply. Discuss with your CPA.

INDUSTRIES THAT USE THIS

Ready to talk to your specialist?

Three-minute application. No credit impact. Your dedicated specialist calls back inside one business hour.