Use Case: Buy Equipment
Get the equipment. Keep the cash.
The right machine can raise output, cut costs or open new work. Paying for it outright can leave the business short. We help you finance it so it pays for itself over time.
The Need
Equipment earns over years. Paying for it in one day rarely makes sense.
A new excavator, CNC or truck produces revenue for five, ten or fifteen years. Paying cash front-loads the entire cost into a single month and leaves less in reserve for payroll, materials and surprises.
Financing spreads the cost across the period the equipment is working, so the revenue it generates covers the payments.
Build a Plan
Before you apply.
Define what the equipment must do
Capacity, uptime, new services or replacing something unreliable. A clear purpose helps decide between new and used, and how long the term should be.
Match the term to the working life
Payments that end around the time the equipment would be replaced keep the cost in line with the value you get from it.
Think about the whole fleet
Equity in machines you already own can reduce or replace a down payment, or fund the attachments and setup costs around the purchase.
Financing Routes
Ways to fund it.
The best route depends on what the business owns and what it is owed.
Equipment Financing
Finance new or used equipment from dealers, auctions or private sellers with fixed payments.
Learn about Equipment FinancingEquipment Refinance
Use equity in your existing fleet to fund a down payment or the purchase itself.
Learn about Equipment RefinanceSale-Leaseback
Unlock cash from owned equipment to buy the next piece without adding a large loan.
Learn about Sale-LeasebackEmbedded Financing
If you sell equipment, offer your own customers financing at the point of sale.
Learn about Embedded FinancingHow It Works
Three steps to a decision.
Tell us about the business
What you own, what you are owed and what the capital is for. A short call or the online form is enough to start.
We match the structure
We review the assets and the need, then take the file to the funding partners best suited to it.
Compare and decide
You see the amount, term and payment for each option with the trade-offs written out. Nothing moves until you choose.
What to prepare
What funding partners review.
A complete file moves faster. Here is what usually helps:
- Quote, bill of sale or listing for the equipment
- Recent bank statements
- List of equipment you already own
- Year-end financial statements if available
- How the equipment will be used and what it will earn
- Details of any trade-in
Questions.
Yes. Used equipment from dealers, auctions and private sellers is financed regularly, sometimes subject to an inspection.
Not always. Strong files may qualify with little or nothing down. Equity in other owned equipment can also take the place of a cash down payment.
Terms commonly run from two to seven years depending on the equipment, its age and the strength of the file.
It depends on whether you want to own the equipment at the end, how you treat it for tax purposes and the payment you are aiming for. We will walk through both.
Next Step
Let's see if we can help!
A short conversation is enough to tell you whether there is capital available and what it would look like.