Equipment Financing
Standard for generators, chillers, and treatment systems owned for their full service life.
Industries · Energy & Infrastructure
Energy and infrastructure financing
Energy assets earn over decades and get built over months. Financing here is structured around long service lives and staged installation.
The work
Equipment reality
Energy and infrastructure equipment runs from a standby generator behind a hospital to a solar array across a distribution-center roof. The common thread is long service life and an installation that looks like a construction project — engineering, permitting, interconnection, commissioning. The contractors who build this infrastructure carry their own equipment list too: bucket trucks, directional drills, trenchers.
Financing structures in this category include term loans on installed assets, leases on faster-moving technology like EV charging, sale-leasebacks on long-lived equipment already in service, and project-scale structures for larger builds. Requests often include engineering and installation alongside the hardware, and staged funding tied to project milestones is an established practice. Reviews typically weigh the asset's expected service life, the operator's or contractor's history, and the shape of the project itself.
Eligible equipment
What typically qualifies
- commercial solar arrays
- battery energy storage systems
- standby and prime-power generators
- combined heat and power systems
- EV charging stations
- transformers and switchgear
- bucket trucks and digger derricks
- horizontal directional drills
- trenchers and cable plows
- LED lighting retrofits
- chillers and cooling towers
- water and wastewater treatment systems
Structures
Ways to structure it
Equipment Leasing
Fits faster-moving assets like EV charging and lighting, where technology turnover is part of the plan.
Sale-Leaseback
Raises capital from long-lived assets already in service — generation, switchgear, central plant.
Large-Ticket Commercial Financing
The home for project-scale work: solar plus storage, central-plant replacements, campus infrastructure.
Qualification
What lenders typically weigh
- Operating history of the business or contractor behind the request.
- Expected service life of the asset relative to the term — long-lived assets are the norm in this category.
- Revenue consistency, or for project work, the agreements behind the build.
- Existing debt and project obligations.
- Down payment or project equity.
Descriptive, not a promise — factors and weightings vary by file.
Checklist
Documents to have ready
- Recent business bank statements — several months is typical
- Business tax returns, typically the last two years
- Project scope or engineering proposal, for installed assets
- Equipment specifications and vendor quotes
- Site control or lease documentation for the install location
- Debt schedule
- Government ID for the owners
Questions
Asked and answered
Solar arrays and battery storage are financed as installed equipment, and requests typically include engineering, installation, and interconnection work alongside the hardware. Tax treatment of energy property changes with legislation and with the buyer's situation — a tax professional is the right source for what applies.
Staged structures exist for exactly this: funds released at defined milestones — equipment delivery, mechanical completion, commissioning — rather than in one sum. How a given project is staged depends on the lender and the build, so the construction timeline belongs in the request from the start.
Retrofit packages are commonly financed as a single request covering the equipment and its installation. Bundling the scope into one schedule is typical when one contractor quotes the whole project.
Yes. Bucket trucks, digger derricks, directional drills, and trenchers are standard equipment financing requests. The construction industry page covers the machine side in more depth; this page leans toward installed energy assets.
Related industries
Run the numbers. Then decide.
The calculators and the eligibility check show results on the page — no email required, no contact details collected. When the structure makes sense, the application asks for the equipment, the amount, and your timeline. Terms arrive in writing before anything is owed.