Equipment Financing & Leasing
Flexible equipment financing solutions that keep your cash flow healthy. Use the equipment you need today — pay over time with terms that work for your business.
Equipment Financing Options
We offer multiple equipment financing structures to fit your business needs and goals.
Equipment Finance Agreement (EFA)
An Equipment Finance Agreement is similar to a loan — you make fixed monthly payments and own the equipment at the end of the term. This structure is ideal for equipment you plan to keep long-term.
- Full ownership at term end
- Section 179 tax deduction eligible
- Fixed monthly payments
- Great for long-term equipment needs
MOST POPULAR
Operating Lease
An operating lease lets you use equipment for a set term with lower monthly payments. At the end, you can return the equipment, renew the lease, or purchase it. Perfect for technology or equipment that becomes outdated.
- Lower monthly payments
- Flexible end-of-term options
- May qualify as off-balance-sheet
- Ideal for rapidly evolving technology
Capital / Finance Lease ($1 Buyout)
A capital lease (also called a finance lease or $1 buyout lease) is structured like a loan but classified as a lease. You make payments over the term and purchase the equipment for $1 at the end.
- $1 purchase option at term end
- Depreciation benefits
- Appears on balance sheet
- Best for essential long-term equipment
Industries We Serve
🏗️ Construction
Excavators, bulldozers, cranes, concrete mixers, and other heavy construction equipment.
🚛 Transportation
Semi-trucks, trailers, delivery vans, and entire commercial vehicle fleets.
🏥 Healthcare
MRI machines, dental chairs, surgical tools, imaging systems, and medical devices.
🏭 Manufacturing
CNC machines, lathes, injection molding equipment, assembly lines, and industrial robotics.
🍽️ Food Service
Commercial ovens, refrigeration units, food processing equipment, and restaurant supplies.
💻 Technology
Servers, networking equipment, computers, POS systems, and enterprise technology infrastructure.
✈️ Agriculture
Tractors, harvesters, irrigation systems, grain storage, and agricultural processing equipment.
📦 Logistics
Forklifts, warehouse racking, conveyor systems, packaging equipment, and distribution center tools.
Find the Right Equipment Financing for Your Business
Our financing specialists will work with you to find the best structure for your needs, industry, and financial situation.