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Equipment financing, explained.
Short guides to the questions that come up most when a business finances equipment. Each one answers a single question, in plain words, from the side of the desk that makes the decision.
How a sale-leaseback works, and why the 90-day window matters
A sale-leaseback puts the cash a business spent on equipment back in the bank while the equipment keeps working. How it works, what it takes and when it fits.
Application only vs a full financial package: what each one asks of you
What an application-only equipment approval actually requires, what a full financial package involves, and how to tell which one a lender is going to want.
What a blanket lien does to a business, and how equipment-only financing avoids it
A blanket lien gives one lender a claim on everything a business owns. What that means day to day, why banks use them, and how financing that claims only the equipment works differently.
Step payments, deferrals and seasonal structures: matching the payment to how the business earns
Equipment payments do not have to be the same every month. How deferred starts, step payments and seasonal structures work, and which kind of business each one fits.
How vendor financing works, and what it does for an equipment dealer
How vendor financing works for equipment dealers: when the lender pays you, what happens with a declined customer, and what to look for in a financing partner.
What to do after an equipment financing decline
Declined for equipment financing? Why it happens, how to find out the reason, what the answer tells you and how to get a second look without shopping the file.
Financing equipment when your credit is strong enough not to need it
Why operators who qualify at the bank still finance equipment separately: no covenants, no capex approval gate, and a bank line kept clear for other needs.
Vocational truck financing
How vocational trucks are financed: chassis and body on one approval, the 26,001 pound CDL line, titles and liens, build times and deposits, new or used, on a one-page application with no tax returns to apply.
Equipment financing with no tax returns: up to $1,000,000 on one page
What application-only means, why the limit here is $1,000,000 and not $250,000, and what the one page actually asks for.
Direct lender vs broker: what changes when the lender makes the decision
Who makes the decision, where your file goes, what happens on a decline, and three questions that tell you which one you're talking to.
Construction equipment financing
How construction equipment is financed: new, used and auction machines, hours not miles, attachments and machine control on the same approval, rental conversions, Section 179, on a one-page application with no tax returns to apply.
Manufacturing equipment financing
How manufacturing equipment is financed: CNC machines, lasers, press brakes, molding, automation and material handling, with rigging, installation, tooling and training on the same approval, funding at order on long lead times, on a one-page application with no tax returns to apply.
Medical and dental equipment financing
How medical, dental and veterinary practices finance equipment: imaging, operatories, lasers and exam equipment, new or refurbished, with installation and training on the same approval and a deferred start for new practices, on a one-page application with no tax returns to apply.
Looking for a single term? The glossary defines every one, from the basics to the acronyms.
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