Acquire Essential Assets and Propel Business Growth
Equipment Finance
Customer Testimonials
Equipment Finance Services
The right equipment can mean the difference between meeting market demands and falling behind. Equipment Finance helps you acquire or lease everything from heavy machinery to specialized technology without immediate full payment. This approach preserves your working capital, allowing you to invest in other strategic areas such as marketing, hiring, or product development.
Commercial Finance Partners evaluates your business’s financials, growth projections, and specific equipment needs to tailor a financing solution. Our flexible payment structures align with your revenue cycles, mitigating the risk of overextending your budget. With a streamlined approval process, we ensure you can quickly obtain critical assets and maintain a competitive edge in your industry.
Capital Preservation
Free up funds for other operational or expansion efforts while still securing vital equipment.
Flexible Repayment
Align monthly payments or lease terms with your revenue stream and growth pace.
Tax Advantages
Potentially benefit from tax deductions related to equipment leasing or financing.
Faster Upgrades
Stay current with emerging technologies by regularly updating your equipment.
Equipment Finance Business Case Studies
Equipment Finance Expanded a Production Line
Added machinery without draining capital:
- Streamlined manufacturing
- Reduced manual labor costs
- Increased output volume
- Improved product consistency
- Boosted revenue projections
How Equipment Finance Supported a Tech Startup’s Launch
Secured necessary hardware quickly:
- Avoided large upfront costs
- Freed funds for R&D
- Lowered financial risks
- Enhanced investor confidence
- Achieved faster time to market
How Equipment Finance Refreshed a Medical Practice
Acquired state-of-the-art diagnostic tools:
- Improved patient outcomes
- Reduced equipment downtime
- Strengthened clinic reputation
- Attracted specialized staff
- Maintained stable cash flow
The importance of
Equipment Finance
Why Choose Commercial Finance Partners:
✦
We tailor equipment finance solutions to your operational timeline and cash flow.✦
We collaborate with you to structure flexible repayment or lease options.✦
Leverage industry expertise to streamline approvals and negotiations.✦
We remain transparent about all costs and potential tax implications.✦
We focus on boosting your capacity to innovate and evolve.
Equipment finance can add machinery to a production line without draining capital, secure hardware quickly for a technology launch, or refresh a medical practice’s diagnostic tools while maintaining stable cash flow. Commercial Finance Partners structures loan or lease terms around your operational timeline and cash flow, so you can upgrade operations without depleting capital.
How Equipment Finance Works
Equipment loans are term loans: they commonly finance capital expenditures, with the financed assets securing the loans. Advance rates reflect the quality and liquidity of the equipment, with less-liquid assets receiving more conservative advances.
When a term loan sits alongside an asset-based revolver, the lender should first confirm that cash flow from operations can service both the term loan and the revolver’s interest. Source: OCC Comptroller’s Handbook, “Asset-Based Lending”.
Equipment Purchases and the 2026 Section 179 Limit
Under Section 179, a business can elect to treat the cost of qualifying property as an expense. For tax years beginning in 2026, that election cannot exceed $2,560,000, and the limit is reduced by the amount by which the cost of Section 179 property placed in service during the year exceeds $4,090,000 (IRS Revenue Procedure 2025-32). Your tax advisor can confirm how it applies to your purchase or lease.
Equipment Finance Inside an Asset-Based Facility
An asset-based borrowing base consists primarily of receivables and inventory, but it may also include equipment, generally limited to a small percentage of the borrowing base. Equipment finance is one of our asset-based lending solutions, alongside receivables finance and inventory finance.
Equipment Finance FAQs
What is equipment finance?
Equipment finance is funding to purchase or lease the machinery and technology a business needs. With an equipment loan, the lender finances the capital expenditure and the financed equipment secures the loan. Commercial Finance Partners works with you to structure flexible repayment or lease options.
What is the Section 179 limit for 2026?
For tax years beginning in 2026, the aggregate cost of Section 179 property a business elects to expense cannot exceed $2,560,000. That limit is reduced by the amount by which the cost of Section 179 property placed in service during the 2026 tax year exceeds $4,090,000, according to IRS Revenue Procedure 2025-32. Confirm eligibility with your tax advisor.
Can equipment be part of an asset-based line of credit?
Yes. An asset-based borrowing base consists primarily of receivables and inventory, but it may also include less-liquid assets such as equipment or real estate, generally limited to a small percentage of the borrowing base. Machinery and equipment are also commonly financed with a separate term loan secured by the financed assets.
The financing solutions provided by Commercial Finance Partners were exactly what I needed. Their team was professional and helped me every step of the way
Matthew Rodriguez Business Owner