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Equipment structure · Nationwide

Conditional Sale / Money-Over-Money

A money-over-money (conditional sale) agreement: the economics of a loan, documented on a lease, with ownership at the end.

Apply nowAll equipment programs(210) 702-8811
$15K – $10MM+Amounts
Up to $1MMApplication only
12 – 84 mo.Terms
All 50States
Structure

How Conditional Sale / Money-Over-Money works

A conditional sale, sometimes called money-over-money, is financing documented on a lease form where you're the owner for tax purposes from the start. Title passes to you once the payments are complete. It combines the familiar lease paperwork many vendors use with loan-style tax treatment.

It's flexible enough for vendor programs, multi-unit purchases and equipment with significant soft costs.

Best for

  • Vendor and dealer programs
  • Multi-unit and soft-cost-heavy purchases
  • Owners who want depreciation and ownership

Program terms

Every product and structure is available through the same equipment program: $15,000 to $10 million and more, application-only approvals up to $1 million, 12 to 84-month terms, A through C- credit and no industry restrictions.

Questions

Conditional Sale / Money-Over-Money FAQ

Answers to common questions.

Is it a lease or a loan?

It's documented like a lease but treated as a purchase financed by the lessor.

Is there a residual?

No meaningful residual; ownership transfers at the end.

How much equipment can I finance?

From $15,000 to $10 million and more. Approvals up to $1 million can often be made on a one-page application, with no tax returns or financial statements.

What credit do I need?

Programs span A through C- credit. Strong credit gets the lowest rates and 100% financing; challenged credit can still be approved with a down payment or additional collateral.

Do you finance startups?

Yes. Businesses with one year or more in operation have the most options, and startup programs are available with a strong owner profile or down payment.

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By state

Conditional Sale / Money-Over-Money by state

Available in all 50 states and D.C.

Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Ready to apply for Conditional Sale / Money-Over-Money?

Tell us about the equipment and we'll bring back the right structure.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.