Equipment Financing
Standard for compressors, cranes, and installed systems a facility will run for their full life.
Industries · Industrial
Industrial equipment financing
Forklifts, compressors, cranes, conveyors — the machinery behind the machinery. Financing keeps a facility's backbone current without a cash drawdown at every replacement.
The work
Equipment reality
Industrial equipment is what makes a building a working facility: the lift fleet that feeds the dock, the compressor that runs the air tools, the racking and conveyors that turn square footage into throughput. It is bought in fleets and systems as often as in single units, and much of it — racking, dust collection, boilers — is installed into the structure rather than parked beside it.
Financing structures for industrial equipment include term loans on fleets and installed systems, leases on high-cycle assets like lift trucks, and sale-leasebacks on owned equipment. Freight and installation are commonly included when quoted with the system. Reviews typically consider equipment age and serviceability, the facility's operating history, and existing obligations across the fleet.
Eligible equipment
What typically qualifies
- electric and IC forklifts
- aerial work platforms
- industrial air compressors
- reach trucks and order pickers
- pallet racking systems
- conveyor and sortation systems
- overhead and gantry cranes
- standby generators
- balers and shredders
- dust collection systems
- industrial boilers
- floor scrubbers and sweepers
- welding and cutting systems
Structures
Ways to structure it
Equipment Leasing
Common for lift-truck fleets managed on hour-based replacement cycles.
Sale-Leaseback
Converts an owned fleet into working capital while it keeps moving product through the building.
Large-Ticket Commercial Financing
For warehouse automation and plant-wide systems quoted as a single project.
Qualification
What lenders typically weigh
- Time in business and the facility's operating history.
- Equipment age and serviceability — dealer support matters for lift fleets and installed systems.
- Revenue consistency of the operation.
- Existing equipment debt and lease obligations.
- Down payment or equity in owned equipment.
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
- Vendor quote including freight and installation
- Equipment list and debt schedule
- Interim financial statements, for larger requests
- Government ID for the owners
Questions
Asked and answered
Racking, conveyors, dust collection, and similar installed systems are commonly financed, with installation included when it is part of the quote. Being bolted to the building does not move them out of the equipment category.
Mixed packages are normal in facility work. When a project is quoted together — trucks, racking, charging infrastructure, install — it is commonly financed as one request with one schedule.
Commonly. Reviews typically read hours, service records, and — for electric trucks — battery condition, since the battery is a large share of the unit's value. Dealer-reconditioned units are a familiar category.
Battery-electric trucks bring chargers and batteries into the purchase, and both are commonly financed as part of the package. The review reads the whole system — trucks, batteries, charging — rather than the truck alone.
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.