For business
Compare equipment financing
Loans and leases secured by the equipment itself
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Equipment financing is usually secured by the asset you buy, which can mean lighter credit requirements than unsecured borrowing. The decision is normally lease versus loan, and who holds the asset at the end of the term.
Side-by-side comparison
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What to weigh before you apply
Lease or own
A lease can lower monthly outlay and simplify upgrades; a loan builds equity in an asset you keep. The right answer depends on how fast the equipment loses value.
Look for end-of-term terms
Buyout amounts, fair-market-value clauses and return conditions decide the real total cost of a lease.
Soft costs
Delivery, installation, training and software are not always financeable. Confirm what is included before signing.
Common questions
- Can I finance used equipment?
- Often yes, though age and condition limits are common and pricing may differ from new-equipment programs.
- Is a down payment required?
- It varies. Some programs finance the full invoice; others require a percentage up front or a first and last payment at signing.