Payment structures
Payment shape and end-of-term option are two separate decisions, and most people financing equipment don't know the first one is on the table. Three questions below and you'll see the structure built for how your business actually earns.
Relative shape only. The height shows how payments move against each other, not dollars.
Why this matters more than the rate
Most equipment finance is written as twelve identical payments a year because that is what is easy to book, not because it is what the business needs. A shop that earns two-thirds of its money between April and September has been handed a January payment built for a company that doesn't exist.
Structuring is where a direct lender is genuinely different from a broker. We are not asking a funding source for permission to shape the payment. The decision is made here, so it can be made around your calendar instead of theirs.
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Seasonal weighting can sit on top of any other structure, including a deferred start.
One advance rental, then nothing for 90 days while the equipment is installed and commissioned.
Starts lower and increases on a set schedule, for equipment that takes time to reach full utilization.
Machine, controls, integration and a used component sourced separately, structured as a single transaction.
Describe the purchase on the phone and we'll tell you how we'd structure it. No application required to have that conversation.
