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Equipment Finance Agreements (EFAs) are an excellent way to finance your equipment purchases. EFAs can provide many of the advantages of leasing, without the issue of end-of-lease options.

In an Equipment Finance Agreement, ownership of the equipment is always in your name.  The equipment is used as collateral for the loan and a UCC is filed to secure the lenders collateral.  Like a lease, EFAs can be executed with very little money down.  Some of the advantages of EFAs are as follows:

Equipment Finance Agreement Basics

Equipment Financing Agreements (EFA's) are essentially a loan in which the lender buys the equipment upfront and the customer pays for the equipment at a flat monthly rate for a specified number of months. At the end of the agreement term, the business owns the equipment.


  • Customer owns the equipment at the end of the term (there is no end of lease option payment)
  • Equipment can be depreciated on customer's balance sheet (see your tax accountant)
  • Convenience and speed of aquiring equipment
  • Documentation is very simple
  • Preserves essential cash flow

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