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

Installment Purchase Agreement

A conditional sale contract that spreads the purchase price over fixed installments while you use the equipment in your business.

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

How installment purchase agreement works

An installment purchase agreement works like a loan written as a purchase contract: you agree to buy the equipment, make scheduled installments, and the security interest releases when the last payment clears. Many manufacturers and dealers use this structure for vendor programs because the paperwork is short.

Because it's treated as a purchase for tax purposes, you can usually depreciate the equipment right away. Installments can be level, stepped up as the equipment ramps up, or matched to your busy season.

Best for

  • Dealer and vendor purchases
  • Businesses that want ownership with minimal paperwork
  • Owners planning to take Section 179 or bonus depreciation

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

Installment Purchase Agreement FAQ

Answers to common questions.

Is an installment agreement a lease?

No. It's a purchase: you're the owner for tax purposes and there's no residual or buyout.

Can payments be seasonal?

Yes. Installments can skip or shrink in your slow months.

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

Explore →Product

Equipment Finance Agreement (EFA)

Loan-like simplicity on a single contract

Explore →Product

$1 Buyout Lease

A lease that ends with ownership for one dollar

Explore →Product

Fair Market Value (FMV) Lease

Lowest payment, flexible end of term

Explore →Product

Equipment Refinancing

Lower your payment or pull cash from equipment you own

Explore →Product

Equipment Debt Restructuring

Reset payments when cash flow is tight

Explore →Product

Equipment Refresh & Trade-Up

Upgrade mid-term without starting over

Explore →Product

Equipment & Invoice Factoring

Turn receivables into cash for equipment

Explore →Product

Contract Discounting

Cash today for the contracted payments you'll receive

Explore →
By state

Installment Purchase Agreement 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 installment purchase agreement?

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.