Yellow tracked excavator at a construction site at sunset

COMMERCIAL EQUIPMENT FINANCING

GET THE EQUIPMENT. KEEP YOUR BUSINESS MOVING.

Fast, flexible financing for the equipment your business needs.

Fast Approvals Flexible Terms No Obligation
Get My Estimate
Construction Equipment
Construction
Equipment
Trucks and Trailers
Trucks &
Trailers
Agricultural Equipment
Agricultural
Equipment
Material Handling
Material
Handling

01 / THE PAYMENT ESTIMATOR

BIG EQUIPMENT.
A CLEARER NUMBER.

Explore an estimated monthly payment and see how price, term, down payment, and rate assumptions affect it.

BUILD YOUR ESTIMATE Live Calculation
$10,000$250,000
%
$10,000 upfront
%
An assumption, not an offered rate
Financing term

YOUR ILLUSTRATIVE ESTIMATE

Estimated monthly payment

$1,846/mo

For $100,000 of construction & heavy equipment

Equipment purchase price
$100,000
Down payment
$10,000
Amount financed
$90,000
Selected term
60 months
Total scheduled payments
$110,789
Estimated interest
$20,789
Total including down payment
$120,789

Illustrative fixed-rate loan model. Assumes monthly payments with no fees, taxes, residual, or balloon payment. This is not a financing offer, lease quote, or approval. Actual terms vary.

WHAT SHOULD I KNOW ABOUT FINANCING AND TAXES?Understand the estimate and the questions worth discussing before you buy.

Understand your estimated financing cost and the tax-related questions worth discussing with your tax professional before making an equipment purchase.

Upfront versus financed. Your down payment is paid at the start. The amount financed is the purchase price that remains after that payment.

How this estimate works. The monthly figure uses the financed amount, an illustrative annual rate converted to a monthly rate, and the selected number of payments.

Tax treatment varies. The equipment, transaction structure, business use, and current tax rules can affect how costs and payments are treated.

Consult a qualified tax professional for advice specific to your business. This tool does not calculate tax savings or promise a deduction. Read IRS guidance ↗

02 / FINANCING PROGRAMS

FINANCING
FOR THE EQUIPMENT
THAT MOVES YOU
FORWARD.

Flexible financing programs designed for real businesses. Get the equipment you need with terms that fit your goals.

Fast
Decisions
Flexible
Terms
Multiple
Equipment Types

FEATURED PROGRAM

01

Application Focused

A fast, streamlined program for businesses that need equipment quickly.

Explore different ways to fund equipment, manage cash flow, and plan your next investment.

02

Commercial
Lease

A structured review for commercial equipment financing needs.

03

90-Day
Deferred-Payment Lease

Explore payment timing, deferral terms and eligibility depend on the actual agreement.

04

Master Lease

A structure to discuss when planning multiple equipment transactions.

05

Purchase
Sale-Leaseback

Explore financing against equipment your business already owns.

06

Municipal Lease

A program to explore for eligible municipal or nonprofit needs; confirm the scope.

07

Software Only

Explore financing for qualifying software and related costs.

03 / EQUIPMENT THAT MOVES BUSINESS

BUILT FOR THE
WORK YOU DO.

The equipment behind your next big move.
Find financing built around your industry.

TRUSTED BY BUSINESSES THAT BUILD TOMORROW EST. 2010
04 / MAKE AN INFORMED DECISION

FINANCE THE EQUIPMENT.
UNDERSTAND THE TERMS.

Compare the details that matter before choosing a financing structure.

A EQUIPMENT FINANCING & LEASING
FLEXIBLE • EQUIPMENT FOCUSED

Equipment Financing / Lease

A financing structure built around the equipment, selected program, and business needs.

Payment structure
Defined by the selected equipment agreement.
Documentation requirements
Varies by program, equipment, and applicant profile.
Ownership and end-of-term options
Depend on the agreement and end-of-term structure.
B TRADITIONAL BANK BORROWING
FIXED TERMS • CREDIT DRIVEN

Traditional Bank Borrowing

A lending arrangement governed by the lender’s credit and loan terms.

Payment structure
Set by the loan terms.
Documentation requirements
Depends on underwriting and lender requirements.
Ownership and end-of-term options
Borrower typically purchases the asset; collateral terms vary.
NEXT STEP

START WITH YOUR EQUIPMENT.

Explore an illustrative payment estimate and questions to discuss with a financing provider.

EXPLORE YOUR FINANCING SCENARIO

Illustrative information only. This comparison is not financial advice or an approval decision.

05 YOUR NEXT MOVE

Let’s Get Your
Equipment Moving.

Tell us what you plan to finance. Explore a simulated financing scenario tailored to your equipment needs.

01 Describe your equipment.

Choose a category and starting price.

02 Share general details.

Use fictional demo information.

03 Review a simulated scenario.

Explore a program starting point.

No impact
on your credit
Takes about
2 minutes
Secure
and confidential
  1. 1
    Equipment
  2. 2
    Business
  3. 3
    Your scenario

Describe your equipment.

Choose a scenario to explore.

In-browser demo. No personal data collected.