When your business needs new equipment, one of the first questions is usually simple: What will my monthly payment be? Whether you are purchasing construction equipment, restaurant equipment, manufacturing machinery, medical equipment, vehicles, or technology, estimating the payment can help you decide whether the investment fits your budget.

An equipment financing calculator can give you a quick estimate before you apply. By adjusting the equipment cost, financing term, and other assumptions, you can compare different scenarios and get a clearer picture of how the purchase may affect monthly cash flow.

Want to Run the Numbers?

Use the Centra Funding Equipment Financing Calculator to estimate your potential monthly payment and compare financing scenarios.

What Is an Equipment Financing Calculator?

An equipment financing calculator is a planning tool that helps estimate the monthly payment associated with financing an equipment purchase. It can help a business compare purchase amounts and financing terms before moving forward with an application.

The exact calculation depends on the financing structure, but a payment estimate is typically influenced by several key factors:

Amount Financed

The portion of the equipment purchase that will be financed.

Financing Rate

The cost of financing can affect the estimated monthly payment and total repayment amount.

Financing Term

The number of months over which the financing is repaid.

Down Payment

If a down payment is required or selected, it may reduce the amount that needs to be financed.

Calculator results are estimates for planning purposes only. Actual financing terms and payments depend on credit review, underwriting, transaction structure, and other factors.

How Are Equipment Financing Payments Calculated?

For a traditional fully amortizing financing structure, the monthly payment is primarily influenced by the amount financed, the financing rate, and the repayment term.

1. Amount Financed

The amount financed is the portion of the equipment purchase that will be covered by financing.

For example, if a piece of equipment costs $100,000 and the entire purchase is financed, the amount financed would generally be $100,000. If the business contributes a down payment, the financed amount may be lower.

2. Financing Rate

The financing rate affects the cost of borrowing. In general, a lower rate produces a lower monthly payment when the financing amount and term remain the same.

The rate available to a business can depend on factors such as credit profile, time in business, cash flow, transaction size, equipment type, and the overall financing structure.

3. Financing Term

The financing term is the amount of time over which the business repays the financing. Common structures may include 24, 36, 48, or 60 months, although other terms may be available depending on the transaction.

A longer repayment term generally spreads the financed amount across more payments, which can reduce the monthly payment. A shorter term generally results in a higher monthly payment but allows the financing obligation to be paid off sooner.

Equipment Financing Payment Example

Consider a business purchasing $100,000 of equipment. Instead of looking at only one payment scenario, the business can compare several financing terms to see how the monthly obligation changes.

Example Purchase

$100,000
Equipment purchase price

36 to 60
Months to compare

Calculate
Compare estimated monthly payments

Rather than relying on one example rate, use the calculator to test the financing assumptions that are most relevant to your business.

Calculate Your Equipment Payment

Compare financing scenarios and estimate how different terms may affect your monthly budget.

Calculate Equipment Payments →

What Affects Your Equipment Financing Monthly Payment?

Several variables can change the amount your business may pay each month. Understanding each one can make the calculator more useful.

Equipment Cost

The purchase price is one of the biggest factors in the monthly payment. As the amount financed increases, the monthly payment will generally increase as well, assuming the financing rate and term remain the same.

Down Payment

Depending on the financing program, a down payment may or may not be required. When a business contributes money toward the purchase, the amount that needs to be financed is typically lower.

Example:
Equipment cost: $100,000
Down payment: $10,000
Amount financed: $90,000

Businesses should also consider whether using cash for a down payment makes sense compared with preserving that cash for payroll, inventory, operating expenses, or future growth.

Financing Term

Term length is one of the easiest variables to compare with a calculator. A shorter term generally means a higher monthly payment. A longer term generally lowers the monthly payment, but may increase the total financing cost over time.

There is no single term that is right for every business. The appropriate structure depends on the equipment, budget, cash flow, and overall business goals.

How Does Credit Affect Equipment Financing Payments?

Credit can be one factor used when determining financing options and pricing. Businesses with stronger credit profiles may qualify for different terms than businesses with credit challenges.

Credit score alone, however, does not necessarily determine whether a business can finance equipment. Underwriting may also consider:

• Time in business
• Business revenue
• Cash flow
• Equipment type
• Equipment age
• Purchase amount
• Business credit history
• Personal credit of the business owner
• Overall financial profile

Does Equipment Type Affect Financing?

It can. The type, age, useful life, condition, and value of the equipment may be considered when a financing company evaluates a transaction.

Equipment financing can be used across many industries, including:

• Construction
• Manufacturing
• Restaurants and foodservice
• Medical and veterinary
• Automotive
• Transportation
• Technology
• Agriculture
• Commercial services

Should You Choose the Lowest Monthly Payment?

Not necessarily. A lower payment can be attractive, especially for businesses focused on preserving monthly cash flow, but the payment amount is only one part of the financing decision.

Total Financing Cost

Consider the overall cost of the financing, not only the monthly obligation.

Term Length

Think about how long the business will be making payments on the equipment.

Equipment Life

Consider whether the equipment is expected to continue producing value throughout the financing term.

Cash Flow

Make sure the monthly payment fits comfortably within the business’s operating budget.

Monthly Payment vs. Equipment ROI

A monthly payment tells you what financing may cost. It does not tell you what the equipment may produce for the business.

For example, suppose a company estimates that a new machine could create $8,000 per month in additional production capacity. If the estimated financing payment is $2,500 per month, the business can compare the monthly obligation with the expected economic benefit of acquiring the equipment.

That does not automatically mean the purchase makes financial sense. Businesses should also consider maintenance, staffing, operating costs, demand, taxes, and other expenses. Still, comparing the cost of the equipment with the value it may generate can provide a more complete picture than looking at purchase price alone.

Can You Finance Used Equipment?

In many situations, businesses can finance both new and used equipment. Used equipment may offer a lower purchase price, but financing options can depend on factors such as age, condition, useful life, seller, and equipment value.

Can You Finance More Than the Equipment Price?

Depending on the financing structure and program, some equipment transactions may include additional costs associated with acquiring or putting the equipment into operation.

Businesses may want to ask whether costs such as the following can be included:

• Delivery
• Freight
• Installation
• Setup
• Software
• Training
• Accessories
• Applicable taxes

Eligibility can vary by transaction, so these items should be discussed with the financing provider before the purchase is finalized.

Equipment Financing Calculator vs. Financing Quote

A calculator and a financing application serve two different purposes.

Equipment Financing Calculator

• Estimate monthly payments
• Compare financing amounts
• Compare terms
• Plan a budget
• Explore different purchase scenarios

Financing Application

• Reviews the actual business and transaction
• Considers credit and business history
• Evaluates the equipment and financing amount
• Determines available financing options
• Provides actual terms when approved

A calculator helps you plan. An application helps determine what financing options are actually available to your business.

How to Use an Equipment Financing Calculator Before You Buy

1. Start with the expected equipment cost
   Enter the approximate purchase price of the equipment you are considering.
2. Compare different financing terms
   Run several scenarios to see how changing the term affects the estimated monthly payment.
3. Consider your monthly cash flow
   Think about how much the business can comfortably allocate toward equipment each month.
4. Compare the payment with the value of the equipment
   Consider whether the equipment may increase production, replace unreliable equipment, reduce costs, add services, or support future growth.
5. Apply when you are ready for actual financing options
   A calculator is a planning tool. An application allows the financing provider to evaluate the real transaction.

Estimate Your Equipment Financing Payment

Knowing your estimated monthly payment can make it easier to evaluate an equipment purchase before you move forward. Use the Centra Funding Equipment Financing Calculator to explore potential payment scenarios and see how different financing terms may affect your monthly budget.

Ready to Run the Numbers?

Estimate your potential equipment financing payment, compare scenarios, and determine what may fit your business budget.

Calculate Equipment Payments →

Apply for Equipment Financing →

Important: Calculator results are estimates for informational purposes only and do not constitute an offer of financing. Actual payments, rates, terms, and approval are subject to credit review, underwriting requirements, transaction structure, and other factors.

Having the right equipment can help a business increase productivity, serve more customers, expand capacity, and pursue new opportunities. But purchasing equipment outright can require a significant upfront investment, which can put pressure on the cash a business needs for everyday operations. Equipment financing can help businesses preserve cash flow by spreading the cost of essential equipment over time instead of requiring a large upfront cash purchase. This allows companies to acquire the equipment they need while keeping more working capital available for payroll, inventory, marketing, expansion, and unexpected expenses. For many businesses, the question is not simply whether they can afford new equipment. It is how to acquire that equipment without unnecessarily tying up capital that could be working elsewhere in the business.Key Takeaway: Equipment financing can allow a business to acquire essential equipment while preserving more cash for payroll, inventory, growth, operating expenses, and unexpected needs.

Why Preserving Business Cash Flow Matters

Cash gives businesses flexibility.

Even a profitable company can face challenges when too much capital is tied up in equipment or other long-term assets. Businesses still need readily available funds to cover operating expenses and respond to opportunities or unexpected costs.

Available working capital may be needed for:

• Payroll and employee expenses
• Inventory and supplies
• Marketing and customer acquisition
• Rent and facility expenses
• Repairs and maintenance
• Seasonal fluctuations
• Expansion opportunities
• Unexpected business expenses

Paying cash for a major equipment purchase can reduce that financial cushion immediately. Equipment financing provides another approach: acquire the equipment now while paying for it over an agreed-upon period.

How Equipment Financing Can Preserve Working Capital

Consider a business purchasing $100,000 of equipment.

Pay Cash

$100,000 leaves the business upfront.

The company owns the equipment, but that capital is no longer available for other operating or growth needs.

Finance the Equipment

Spread the equipment cost across scheduled payments.

The business can put the equipment to work while retaining more available cash for operations and growth.

Ideally, revenue or efficiencies generated by the equipment can help support the cost of acquiring it over time. This is one reason businesses may evaluate financing even when they have enough cash available to purchase equipment outright.

5 Ways Equipment Financing Can Support Business Cash Flow

Reduce Large Upfront Expenses

One of the primary benefits of equipment financing is reducing the amount of capital that must leave the business at one time.

Instead of making a substantial lump-sum purchase, businesses can spread equipment costs over time. This can make large purchases more manageable while preserving liquidity.

For growing businesses in particular, retaining cash may provide greater flexibility than putting a significant portion of available capital into one asset.

Keep Working Capital Available for Operations

Equipment is not the only expense required to operate a successful business.

A restaurant purchasing new kitchen equipment may still need cash for food inventory, payroll, rent, advertising, and utilities. A contractor purchasing heavy equipment may need working capital for materials, fuel, labor, and upcoming projects.

Financing the equipment separately can allow businesses to preserve working capital for these day-to-day needs.

Protect Existing Lines of Credit

A business line of credit can be valuable for short-term and unexpected expenses.

Using a large portion of that credit capacity to purchase long-term equipment may leave less available when the business needs it for inventory, receivables, seasonal expenses, or an unexpected opportunity.

Equipment financing may allow a business to finance a long-term asset separately while preserving its revolving credit capacity for other needs.

Make Equipment Costs More Predictable

Predictability can make cash-flow planning easier.

Rather than absorbing the entire cost of equipment in a single period, financing can turn a major capital expenditure into scheduled payments.

Businesses can then incorporate those payments into operating budgets and financial forecasts. Depending on the financing structure, payment options may also be designed around the equipment, business profile, and anticipated use of the asset.

Put Revenue-Producing Equipment to Work Sooner

Waiting until enough cash accumulates to purchase equipment can sometimes delay growth.

Financing can allow a business to acquire necessary equipment sooner and begin using it to support operations.

New equipment may help a business:

• Increase production capacity
• Complete jobs more efficiently
• Serve additional customers
• Replace unreliable or outdated equipment
• Reduce downtime
• Expand into a new service or market

When equipment contributes directly to revenue or operational efficiency, businesses can evaluate the financing payment alongside the value the equipment is expected to generate.

Need Equipment Without Tying Up Your Cash?

Explore equipment financing options designed to help your business acquire the equipment it needs while preserving working capital.

Explore Financing Options

Equipment Financing vs. Paying Cash

Paying cash is not necessarily the wrong decision. For some businesses and equipment purchases, it may make perfect sense. The important consideration is what that cash could otherwise do for the business.

Before paying cash for equipment, consider asking:

• How much liquidity will remain after the purchase?
• Could this cash produce greater value elsewhere in the business?
• Will we need additional capital for payroll, inventory, expansion, or seasonal expenses?
• Would preserving our line of credit give us greater flexibility?
• How quickly will this equipment begin contributing to revenue or efficiency?

A business with substantial cash reserves and limited upcoming capital needs may choose to purchase equipment outright. A growing company with multiple demands on its working capital may find financing more strategically useful.

The decision should support the company’s broader financial goals, not simply minimize the number of monthly payments. If you are also deciding between financing and leasing, see our guide to equipment leasing vs. equipment financing.

What Types of Business Equipment Can Be Financed?

Equipment financing can be used across a wide range of industries. Depending on the equipment and financing program, businesses may finance:

• Construction and heavy equipment
• Manufacturing machinery
• Restaurant and commercial kitchen equipment
• Medical and healthcare equipment
• Transportation equipment and commercial vehicles
• Automotive repair equipment
• Material handling equipment
• Printing and packaging equipment
• Technology and office equipment
• Fitness equipment
• Agricultural equipment
• Specialized industry machinery

Financing may also be available for new or used equipment, depending on the transaction and financing requirements.

Can Equipment Financing Include More Than the Equipment?

In some transactions, financing may extend beyond the base purchase price of the equipment.

Eligible project costs may include expenses associated with putting the equipment into operation, such as shipping, installation, labor, warranties, or other related soft costs.

Including eligible costs in the financing can further reduce the amount of cash a business needs to spend upfront. The costs that can be included depend on the financing structure and transaction, so businesses should discuss the complete project, not just the equipment purchase price, when exploring financing options.

Equipment Financing and Section 179

Equipment purchases may also offer potential tax benefits.

Under Section 179 of the Internal Revenue Code, businesses may be able to deduct the cost of qualifying equipment placed into service during the applicable tax year, subject to current IRS rules, eligibility requirements, and limitations.

Financing qualifying equipment does not necessarily prevent a business from taking an eligible Section 179 deduction. Because tax rules and individual circumstances vary, businesses should consult a qualified tax professional to determine whether equipment qualifies and how a financing transaction may affect their tax position.

For a business-focused overview, visit Centra Funding’s Section 179 equipment financing guide.

When Does Financing Equipment Make Sense?

Equipment financing may be worth considering when a business:

• Needs equipment but wants to preserve cash reserves
• Is expanding or adding capacity
• Wants to keep its line of credit available
• Needs to replace aging or unreliable equipment
• Wants predictable equipment payments
• Has other opportunities for its available working capital
• Needs equipment to begin generating revenue sooner
• Is purchasing equipment with a long useful life

The right financing structure depends on the equipment, cost, business history, credit profile, cash flow, and long-term objectives.

Estimate Your Equipment Financing Payment

Before applying, it can be helpful to understand how the amount financed and repayment term may affect your estimated payment. Use Centra Funding’s equipment financing calculator to explore estimated monthly payments for different financing amounts and terms.

Frequently Asked Questions About Equipment Financing and Cash Flow

How can equipment financing help preserve cash flow?

Equipment financing can spread the cost of equipment over scheduled payments instead of requiring the full purchase price upfront. This can leave more cash available for operating expenses, inventory, payroll, growth, and unexpected needs.

Is it better to finance equipment or pay cash?

It depends on the business’s cash reserves, upcoming expenses, financing costs, and plans for the equipment. Paying cash avoids financing costs, while financing can help preserve liquidity and keep capital available for other business priorities.

Can equipment financing include installation and other costs?

Depending on the transaction and financing program, certain related costs such as shipping, installation, labor, or warranties may be eligible for financing along with the equipment.

Can financed equipment qualify for Section 179?

Financing equipment does not automatically prevent it from qualifying for Section 179. Eligibility depends on the property, how it is used, when it is placed in service, and current tax rules. Businesses should consult a qualified tax professional about their specific situation.

How can I estimate an equipment financing payment?

You can use Centra Funding’s equipment financing calculator to estimate payments based on the amount financed and selected term.

Preserve Cash While Investing in Your Business

Purchasing equipment and maintaining healthy cash flow do not have to be competing priorities.

Business equipment financing can provide a way to acquire the assets your company needs while keeping more capital available for the expenses and opportunities that keep the business moving forward.

Centra Funding provides equipment financing solutions for businesses across a wide range of industries and equipment types. Financing options are available for transactions from $5,000 to $10 million, subject to approval and program requirements.

Ready to explore your equipment financing options?

Apply for Financing

When your business needs equipment, choosing the right machine, vehicle, technology, or other asset is only part of the decision. You also need to determine how to pay for it.

Equipment leasing and equipment financing can both help businesses acquire needed equipment without paying the entire purchase price upfront. But they work differently, particularly when it comes to ownership, long-term value, end-of-term options, and what happens after the payments are complete.

For businesses planning to use equipment for years, understanding the difference between leasing and financing is especially important. The right structure can affect not only cash flow today, but also whether the business ultimately owns an asset that can continue producing value in the future.

Key Takeaway: Leasing generally gives a business the right to use equipment for a defined period, while equipment financing provides a path toward ownership. For businesses that expect to keep and use equipment long term, financing may offer greater lasting value because the equipment can remain a business asset after the financing obligation is satisfied.

What Is Equipment Financing?

Equipment financing is a form of business financing designed specifically to help a company purchase equipment.

Rather than paying the full equipment cost upfront, the business finances the purchase and makes payments over an agreed-upon term. The equipment itself commonly serves as collateral for the transaction.

Once the financing obligations are satisfied, the business can continue owning and using the equipment without ongoing financing payments, subject to the specific structure of the transaction.

Equipment financing can be used for many types of business assets, including:

• Construction and heavy equipment
• Manufacturing machinery
• Restaurant and commercial kitchen equipment
• Medical and healthcare equipment
• Automotive repair equipment
• Transportation equipment and commercial vehicles
• Material handling equipment
• Printing and packaging equipment
• Technology and office equipment
• Specialized industry machinery

For durable equipment a business expects to use for many years, financing can provide a way to spread the cost over time while investing in an asset the company intends to keep.

What Is Equipment Leasing?

Equipment leasing generally allows a business to use equipment for a defined period while making payments under a lease agreement.

In a typical lease structure, the lessor retains ownership of the equipment while the business receives the right to use it. At the end of the lease, the business may return the equipment, renew the agreement, or potentially purchase the equipment, depending on the terms of the lease.

Leasing can be useful in situations where a business needs equipment temporarily or expects technology or equipment requirements to change frequently.

However, businesses that already know they want to keep an asset for the long term may place greater value on a financing structure designed around eventual ownership.

Equipment Leasing vs. Equipment Financing at a Glance

The biggest difference between equipment leasing and equipment financing is what the business is ultimately trying to accomplish: use the equipment temporarily or invest in equipment it intends to own.

Ownership

Equipment Financing: Generally provides a path toward ownership of the equipment.

Equipment Leasing: The lessor generally retains ownership during the lease term.

Long-Term Value

Equipment Financing: The business can continue using the equipment after financing obligations are satisfied.

Equipment Leasing: Continued use may depend on renewal, purchase, or other end-of-term provisions.

Business Asset

Equipment Financing: Supports investment in an asset the business intends to own.

Equipment Leasing: The business generally pays for the right to use an asset owned by another party.

Upfront Cash

Equipment Financing: Can reduce the need to pay the full equipment purchase price upfront.

Equipment Leasing: Can also reduce the initial cash needed to access equipment.

End of Term

Equipment Financing: Typically structured around satisfying the financing obligation and retaining the equipment.

Equipment Leasing: May involve returning, renewing, or purchasing the equipment.

Best Fit

Equipment Financing: Businesses planning to use equipment for years and ultimately own it.

Equipment Leasing: Businesses prioritizing temporary use or frequent equipment changes.

Why Many Businesses Choose Equipment Financing

For equipment with a long useful life, ownership can be an important part of the overall investment decision.

Build Toward Equipment Ownership

One of the clearest advantages of equipment financing is that the business is investing toward ownership rather than simply paying for temporary use.

After the financing obligation is satisfied, the equipment can remain with the business and continue supporting operations.

Continue Using Equipment After the Payments End

Many types of commercial equipment have useful lives that extend well beyond a financing term.

A restaurant may use commercial kitchen equipment for years. A manufacturer may continue operating a machine long after it is paid for. A contractor may continue generating revenue with heavy equipment after financing payments have ended.

When equipment remains productive for years, ownership can create meaningful long-term value for the business.

Avoid Some End-of-Lease Decisions

Lease agreements may require businesses to make another decision when the lease ends.

Depending on the agreement, that can mean returning the equipment, renewing the lease, replacing it, or exercising a purchase option.

For businesses that already know they want the equipment long term, financing can provide a more direct path toward keeping the asset.

Preserve Cash While Investing in a Business Asset

Equipment financing allows businesses to acquire needed equipment without necessarily using the full purchase price in available cash at one time.

That can help preserve working capital for payroll, inventory, marketing, expansion, repairs, and other operating needs while the business invests in equipment it intends to own.

Invest in Revenue-Producing Equipment

For many businesses, equipment is not simply an expense. It is an asset used to produce revenue, increase capacity, reduce downtime, improve efficiency, or serve more customers.

Financing can allow a business to put that equipment to work sooner while spreading the cost over time.

Invest in Equipment Your Business Can Own

Centra Funding specializes in equipment financing solutions designed to help businesses acquire essential equipment while preserving cash for other priorities.

Explore Equipment Financing

When Equipment Financing May Be the Better Choice

Equipment financing can be particularly attractive when a business expects to use an asset for a significant portion of its useful life.

Financing may be a strong fit when:

• You plan to keep the equipment for several years.
• You want to ultimately own the equipment.
• The equipment has a long useful life.
• The equipment is essential to day-to-day operations.
• The asset is expected to continue generating revenue after the financing term.
• You want to preserve cash rather than pay the full purchase price upfront.
• You want to invest in equipment as a long-term business asset.

When Leasing May Still Make Sense

Leasing is not necessarily the wrong choice. It can make sense when a business values temporary access more than long-term ownership.

For example, leasing may be worth evaluating when:

• The equipment becomes obsolete quickly.
• The business expects to upgrade frequently.
• The equipment is needed only for a limited period.
• Long-term ownership is not important.
• The lease’s end-of-term flexibility matches the business’s needs.

But if the business expects to continue using the same equipment for years, it is worth comparing the long-term economics of leasing against financing and ownership.

Equipment Financing vs. Leasing: Think Beyond the Monthly Payment

One of the easiest mistakes to make when comparing equipment options is focusing only on the monthly payment.

A lower payment does not necessarily mean the transaction provides greater long-term value.

Businesses should look at the complete structure, including:

• Initial cash required
• Total payments over the term
• Who owns the equipment
• What happens at the end of the agreement
• Whether additional payments are required to keep the equipment
• The expected useful life of the asset
• How long the business expects to use it
• Potential resale or residual value

If a business expects to use equipment well beyond the financing term, ownership may become increasingly valuable over time.

Equipment Financing and Cash Flow

Choosing to finance equipment does not mean a business has to sacrifice all of its available cash to acquire an asset.

One of the primary reasons businesses use equipment financing is to spread the purchase cost over time while preserving more working capital for other priorities.

Cash preserved through financing may remain available for:

• Payroll
• Inventory
• Marketing
• Hiring
• Facility expenses
• Expansion
• Unexpected operating costs

This can allow the business to acquire the equipment it needs while maintaining greater financial flexibility.

Can Equipment Financing Offer Tax Benefits?

Purchasing business equipment may also provide potential tax benefits, depending on the equipment, transaction, and current tax rules.

Qualifying equipment may potentially be eligible for deductions such as Section 179 when applicable requirements are met.

Tax treatment can vary based on the type of equipment and financing structure, so businesses should consult a qualified tax professional regarding their specific transaction.

This information is provided for general educational purposes and is not intended as tax, accounting, or legal advice.

Can Startups Finance Equipment?

New businesses may also have equipment financing options.

For a startup, preserving cash can be particularly important because available capital may also be needed for payroll, inventory, marketing, rent, buildout expenses, insurance, and other costs associated with opening a business.

Financing equipment can provide another way to acquire essential assets while keeping more startup capital available for other business needs.

Available financing will depend on factors such as the equipment, transaction, business profile, credit, and other underwriting considerations.

Questions to Ask Before Leasing or Financing Equipment

Before choosing how to acquire equipment, ask questions that focus on the equipment’s long-term role in the business.

• How many years do we expect to use this equipment?
• Do we want to own it?
• Will the equipment still be productive after the financing term?
• How quickly is the equipment likely to become obsolete?
• What happens when the agreement ends?
• What will it cost to keep the equipment?
• How much working capital do we want to preserve?
• Will this equipment generate revenue or improve efficiency?

If the answers point toward long-term use and ownership, equipment financing may be the more natural fit.

Does Centra Funding Offer Equipment Leasing?

Centra Funding specializes in equipment financing.

Our focus is helping businesses finance the equipment they need to operate, grow, increase capacity, and pursue new opportunities.

If your goal is to invest in equipment your business intends to own and use for the long term, our team can help you explore available equipment financing options based on your transaction and business profile.

Finance Equipment. Build Your Business.

For businesses that expect to use equipment for years, financing can provide more than access to the asset today. It can provide a path toward ownership of equipment that continues supporting the business long after the financing term is complete.

Centra Funding provides equipment financing solutions across a wide range of industries and equipment types. Our team works with businesses to structure financing around the equipment purchase, transaction, and financial objectives.

Ready to finance your next equipment purchase?

Apply for Equipment Financing