WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Equipment product · Nationwide

Contract Discounting

Sell or borrow against future payment streams on signed contracts, leases or service agreements for a lump sum today.

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

How contract discounting works

Contract discounting turns a signed payment stream, such as equipment leases you've written to your own customers, service agreements or rental contracts, into cash today. The funder purchases or lends against the remaining payments at a discount, and you get the capital to grow now instead of waiting years to collect it.

It's widely used by equipment dealers, rental companies and service businesses that finance their own customers.

Best for

  • Dealers and vendors that finance their customers
  • Rental and service businesses with long contracts
  • Companies with predictable contracted revenue

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

Contract Discounting FAQ

Answers to common questions.

What contracts qualify?

Leases, rental agreements, maintenance contracts and other written payment streams from creditworthy customers.

Is it a loan?

It can be structured as a sale of the payment stream or a loan secured by it.

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.

Related

More ways to finance equipment

Compare other products and structures.

Product

Equipment Term Loan

Fixed payments, you own it from day one

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Installment Purchase Agreement

Buy over time with a simple installment contract

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Equipment Finance Agreement (EFA)

Loan-like simplicity on a single contract

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$1 Buyout Lease

A lease that ends with ownership for one dollar

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Fair Market Value (FMV) Lease

Lowest payment, flexible end of term

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Equipment Refinancing

Lower your payment or pull cash from equipment you own

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Equipment Debt Restructuring

Reset payments when cash flow is tight

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Equipment Refresh & Trade-Up

Upgrade mid-term without starting over

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Equipment & Invoice Factoring

Turn receivables into cash for equipment

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By state

Contract Discounting 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 contract discounting?

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.