Finance the Equipment That Powers Your Enterprise
Flexible, competitively priced equipment financing for commercial enterprises — structured to preserve working capital and optimize your tax position.
Commercial Banking
Preserve Cash. Acquire the Assets You Need.
Equipment depreciates. Your working capital shouldn’t. Our equipment financing division provides flexible term loans and leases for commercial equipment across virtually every industry — from heavy machinery and fleet vehicles to medical technology and manufacturing systems. Our financing specialists structure transactions to align with equipment useful life, tax benefits, and your company's cash flow profile.
Key Benefits
Only what you need. Nothing you don't.
All Equipment Categories
Manufacturing, construction, transportation, medical, technology, food service, agricultural, and more — any essential commercial equipment.
Up to 100% Financing
Finance the full equipment cost including soft costs (delivery, installation, training) — preserving your cash and credit lines for operations.
Loan & Lease Structures
Choose between a term loan (own the equipment outright) or lease (lower payments, easier upgrades, potential off-balance-sheet treatment).
Section 179 Tax Optimization
Our financing specialists help you structure transactions to maximize Section 179 deductions and bonus depreciation benefits.
Fixed-Rate Terms
Lock in a fixed interest rate for the life of the loan — predictable payments that simplify financial planning and budgeting
Refinance & Sale-Leaseback
Already own equipment? A sale-leaseback can unlock embedded equity while preserving full operational use of the asset.
Rates & Details
Equipment Financing Rates
Rates effective as of April 30, 2026. Subject to change without notice. APR = Annual Percentage Rate.
Equipment Term Loan (Fixed)
From 6.99% APR
Featured
Equipment Lease (Operating)
Based on equipment type & term
Contact for quote
Technology Refresh Loan
12–36 month terms; up to $500K
From 7.50% APR
FAQ
Frequently Asked Questions
For transactions under $250,000 with standard equipment, approvals can often be issued within 24–48 hours. Larger transactions requiring full financial review typically close within 7–14 business days.
What is the difference between an equipment loan and an equipment lease?
With a loan, you own the equipment and build equity. With a lease, you have use of the equipment without ownership — often with lower monthly payments and the option to return, renew, or purchase at end of term. Leases may also provide off-balance-sheet treatment depending on the structure.
Yes. We finance both new and used equipment, subject to an appraisal or market value confirmation for used assets. Age and condition of used equipment affects eligible loan-to-value ratios.