Equipment leasing & financing, structured around how your equipment earns.
Lease or finance new and used equipment from $15,000 to $10 million and more. Application-only approvals up to $1 million, credit from A through C- paper, startups considered and no industry restrictions.
What sets our equipment programs apart
Access to banks, captive lessors and independent funders through one application, so the structure fits the equipment rather than the other way around.
Application-only to $1 million
One application, no tax returns or financial statements on approvals up to $1,000,000.
Up to 100% financing
Equipment, freight, installation, software and training rolled into one payment.
Every credit profile
Programs from A paper to C- credit, with startup programs for newer businesses.
Own it or return it
$1 buyout leases when you'll keep it; FMV leases for the lowest payment and an upgrade path.
Fleet & titled vehicles
TRAC leases for tractors, trailers and fleets, with residuals you set.
Payments that fit the season
Skip, step-up and seasonal schedules built around how your equipment earns.
Ten ways to finance equipment
From a simple equipment term loan to contract discounting, each product solves a different problem. Pick the one that matches how long you'll keep the equipment and how you want to pay.
Equipment Term Loan
Fixed payments, you own it from day one
Explore →ProductInstallment Purchase Agreement
Buy over time with a simple installment contract
Explore →ProductEquipment 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 →ProductFair Market Value (FMV) Lease
Lowest payment, flexible end of term
Explore →ProductEquipment Refinancing
Lower your payment or pull cash from equipment you own
Explore →ProductEquipment Debt Restructuring
Reset payments when cash flow is tight
Explore →ProductEquipment Refresh & Trade-Up
Upgrade mid-term without starting over
Explore →ProductEquipment & Invoice Factoring
Turn receivables into cash for equipment
Explore →ProductContract Discounting
Cash today for the contracted payments you'll receive
Explore →Structures for every cash-flow pattern
Payment schedules and lease structures that match seasons, ramp-ups, fleets and balance-sheet goals.
Equipment Sale-Leaseback
Sell equipment you own, lease it back, keep working
Explore →StructureTRAC Lease
The truck and trailer lease built for fleets
Explore →StructureConditional Sale / Money-Over-Money
Ownership-style financing on a lease form
Explore →StructureSkip Payment Lease
No payments in your off-season
Explore →StructureStep / Unlevel Payment Lease
Payments that grow as the equipment pays off
Explore →StructureSynthetic Lease
Off-balance-sheet accounting with ownership tax benefits
Explore →StructureMaintenance & Service Financing
Bundle service, warranties and soft costs into one payment
Explore →StructureSeasonal Payment Plan
A payment calendar built around your revenue
Explore →StructureMid-Term Amendment Lease
Add equipment to your lease without a new contract
Explore →Equipment financing for 22 industries and counting
No industry restrictions. These are the categories we finance most often.
Construction & Yellow Iron
Excavators, dozers, loaders, cranes and more
See financing →IndustryFurniture & Fixtures
Office, hospitality and retail build-outs
See financing →IndustryManufacturing Equipment
CNC, presses, lines and automation
See financing →IndustryPoint-of-Sale Systems
Registers, terminals, kiosks and software
See financing →IndustryMaterial Handling
Forklifts, conveyors and warehouse systems
See financing →IndustryRecreation & Fitness
Gyms, studios, golf and recreation
See financing →IndustryEnergy & Solar
Solar, generators, efficiency retrofits
See financing →IndustryFranchise Equipment
Build-outs and equipment packages for franchisees
See financing →IndustryMedical & Dental
Imaging, dental, surgical and lab equipment
See financing →IndustryScientific & Testing
Lab, testing and research equipment
See financing →IndustryTransportation & OTR Trucks
Tractors, trailers and fleets
See financing →IndustryRestaurant & Food Service
Kitchens, refrigeration and front of house
See financing →IndustryAgricultural Equipment
Tractors, combines, irrigation and more
See financing →IndustryOffice & Imaging
Copiers, printers and office technology
See financing →IndustryIndustrial Retrofitting
Upgrades, rebuilds and efficiency projects
See financing →IndustryTechnology & IT Hardware
Servers, networks, computers and AV
See financing →IndustryCommunications Equipment
Towers, telecom, radio and networks
See financing →IndustryPrinting Equipment
Presses, wide-format and finishing
See financing →IndustrySoftware
Licenses, implementation and SaaS
See financing →IndustryMetal Cutting & Machine Tools
Lathes, mills, lasers and fabrication
See financing →IndustryWoodworking Equipment
CNC routers, saws and finishing
See financing →IndustryPackaging & Distribution
Packaging lines, labeling and fulfillment
See financing →Choosing the right structure
A side-by-side look at the structures businesses use most.
| Structure | Who owns it | Payment | End of term | Best for |
|---|---|---|---|---|
| Loan / EFA | You, from day one | Fixed | Paid off, nothing owed | Equipment you'll keep for its full life |
| $1 buyout lease | You (for tax) | Fixed | Buy for $1 | Lease paperwork with ownership |
| FMV lease | Lessor | Lowest | Return, renew, upgrade or buy at FMV | Technology and equipment you replace often |
| TRAC lease | Lessor | Low, set by residual | Vehicle sold; you keep gain or cover shortfall | Trucks, trailers and fleets |
| Sale-leaseback | Funder, leased back to you | Fixed | Buy back, often $1 or fixed % | Raising cash from equipment you own |
From application to delivery
Most application-only deals move from submission to funded in a few days.
Apply in minutes
One secure online application, with documents uploaded right on the page.
Compare offers
We match the deal to the right funders and bring back terms side by side.
Sign & verify
E-sign the documents; the funder verifies the vendor and the equipment.
Vendor is paid
Funding goes straight to the vendor, often within 24–72 hours.
Keep your capital working
Financing equipment preserves cash and bank lines for payroll, inventory and growth.
Low upfront cost
Keep cash for operations. Many programs need no down payment, and first payments can be deferred.
Bundled payments
Equipment, service, software, delivery and installation in one payment.
Every manufacturer
Dealer, manufacturer, auction or private-party purchases, new or used.
Own it or return it
Choose ownership or flexibility at the end of the term.
Equipment financing FAQ
Straight answers to the questions owners ask most.
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.
Are there industry restrictions?
No. We finance equipment for virtually every industry, from construction and trucking to medical, technology and food service.
Lease or loan: which is better?
If you'll keep the equipment for its whole life, a loan, EFA or $1 buyout lease usually makes sense. If it becomes obsolete quickly or you upgrade often, an FMV lease gives you the lowest payment and flexibility at the end.
Can I finance used equipment or a private-party sale?
Yes, from dealers, auctions, manufacturers and private sellers, subject to an inspection or appraisal on some used equipment.
How fast can I get funded?
Application-only approvals often come back within hours and fund in 24–72 hours once documents are signed and the vendor is verified.
What terms are available?
12, 24, 36, 48, 60 months and up to 84 months on long-life equipment, with skip, step and seasonal schedules available.
Equipment leasing in your state
State-by-state guides with the industries, cities and programs we finance most in each market.
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
Get the equipment working for you.
One application covers every product and structure above. Prequalifying doesn't affect your credit.
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.