Equipment Financing

Our equipment financing solutions help Dallas businesses acquire the machinery, vehicles, technology, or other business equipment needed without depleting cash reserves. With the equipment serving as collateral, you can access financing up to $10 million through our extensive partner network.

Why Finance Your Equipment?

Purchasing equipment outright ties up significant capital that could be used for other business needs. Equipment financing offers several advantages:

Preserve Working Capital

Keep cash available for operations, emergencies, and growth opportunities. Instead of a large upfront purchase, spread payments over time while using the equipment immediately.

Tax Advantages

Financing arrangements may qualify for Section 179 deductions, allowing you to deduct the full purchase price of qualifying equipment from your gross income in the year of purchase.

Stay Current with Technology

Rather than being stuck with outdated equipment, financing allows you to upgrade more frequently. This is especially important in industries where technology evolves rapidly.

Protect Against Obsolescence

With lease options, you’re not stuck owning equipment that becomes outdated or unnecessary. Return, upgrade, or purchase at the end of your term.

Equipment Loan vs. Equipment Lease

We offer both loan and lease structures to fit different business needs. Understanding the differences helps you choose the right option. For a detailed comparison, see our guide on equipment loan vs. lease: which is better.

Equipment Loan

How It Works: You borrow money to purchase the equipment. Upon approval, we pay the vendor directly, and you own the equipment from day one. You repay the loan over time with interest.

Best For:

• Businesses wanting to build equity
• Equipment with long useful life
• Taking advantage of depreciation deductions
• Businesses with stable, predictable cash flow

Key Features:

• You own the equipment immediately
• Build equity with each payment
• Equipment appears as an asset on your balance sheet
• Claim depreciation and interest deductions

Equipment Lease

How It Works: We purchase the equipment and lease it to you for a set term. You make regular lease payments and at the end, you can often purchase the equipment, return it, or upgrade to newer equipment.

Best For:

• Businesses wanting lower monthly payments
• Equipment that becomes obsolete quickly
• Preserving credit lines for other needs
• Businesses with seasonal or variable income

Key Features:

• Lower monthly payments than loans
• Lease payments may be fully deductible
• Flexibility at end of term
• Equipment may stay off your balance sheet (operating lease)

Types of Equipment We Finance

Our partner network finances virtually any type of business equipment across all industries:

Construction & Heavy Equipment

• Excavators and backhoes
• Bulldozers and graders
• Cranes and lifts
• Concrete and paving equipment

Transportation & Vehicles

• Commercial trucks and trailers
• Fleet vehicles
• Delivery vans
• Specialty vehicles

Manufacturing & Industrial

• CNC machines
• Production equipment
• Assembly line machinery
• Processing equipment

Medical & Healthcare

• Diagnostic equipment
• Imaging systems (MRI, CT, X-ray)
• Dental chairs and equipment
• Lab equipment

Restaurant & Food Service

• Commercial ovens and fryers
• Refrigeration systems
• Point-of-sale systems
• Food prep equipment

Technology & Office

• Computers and servers
• Networking equipment
• Phone systems
• Office furniture

Section 179 Tax Benefits

One of the most significant advantages of equipment financing is the potential for Section 179 tax deductions. Here’s what you need to know:

What Is Section 179?

Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment purchased or financed during the tax year, rather than depreciating it over time.

2026 Limits

• Maximum deduction: Check current IRS guidelines for updated limits
• Applies to new and used equipment
• Must be placed in service during the tax year

Example Savings

If you finance $100,000 in equipment and deduct it under Section 179, your tax savings could be $21,000-$37,000 depending on your tax bracket. Consult your tax advisor for specific guidance.

The Equipment Financing Process

Step 1: Identify Your Equipment

Know what equipment you need and get quotes from vendors. We work directly with your preferred suppliers.

Step 2: Apply for Financing

Complete our application with details about your business and the equipment you want to finance. The process takes about 10-15 minutes.

Step 3: Receive Approval

Our partner network reviews your application. For straightforward applications, approval often comes within 24-48 hours.

Step 4: Close and Fund

Review and sign your financing agreement. Funds are disbursed directly to your equipment vendor so you can take delivery.

Step 5: Start Using Your Equipment

Begin using your new equipment immediately while making manageable payments over time.

Eligibility Requirements

Equipment financing is available to a wide range of businesses:

• Time in Business: Generally 2+ years preferred, though newer businesses may qualify
• Credit Score: Good personal and business credit improves terms
• Financial Statements: May be required for larger amounts
• Equipment Value: Minimum typically $10,000

The equipment itself serves as collateral, which often makes approval easier than unsecured financing.

Industries We Serve in Dallas

Our equipment financing solutions support businesses across the DFW metroplex:

• Construction companies expanding their fleet
• Medical practices upgrading diagnostic equipment
• Restaurants outfitting new locations
• Manufacturers adding production capacity
• Transportation companies growing their fleet
• Technology firms updating infrastructure

Frequently Asked Questions

How much can I finance? Through our partner network, we facilitate equipment financing from $10,000 to $10 million. Larger amounts may require additional documentation.

What are typical terms? Equipment financing terms range from 1 to 10 years depending on the equipment type and useful life. Longer terms mean lower monthly payments.

Do I need a down payment? Many equipment financing programs require minimal or no down payment. Terms vary by program and credit profile.

Can I finance used equipment? Yes, we finance both new and used equipment. The equipment must be in good working condition with remaining useful life.

How long does approval take? Most applications receive a decision within 24-48 hours. Complex situations may take longer.

Ready to Finance Your Equipment?

Don’t let equipment limitations hold your Dallas business back. Whether you need one piece of equipment or an entire fleet, our equipment financing solutions can help you get what you need while preserving working capital.

Apply today and discover flexible financing options with terms up to 10 years and potential tax benefits through Section 179.