Heavy Equipment Financing
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Financing Tiers
Excellent Credit
Score: 750+
6.9% APR
Good Credit
Score: 700-749
8.9% APR
Fair Credit
Score: 650-699
10.9% APR
Section 179 Tax Benefits
Section 179 Deduction
$1.22M
2025 deduction limit — deduct the full purchase price of qualifying equipment in the year you buy it.
Bonus Depreciation
60%
2025 bonus depreciation rate for equipment placed in service this year. Applies after Section 179 limit.
Tax information is for general reference only. Consult your tax advisor for specific guidance applicable to your situation.
Frequently Asked Questions
What credit score do I need to finance heavy equipment?
We work with a range of credit profiles. Excellent credit (750+) qualifies for rates as low as 6.9% APR. Good credit (700-749) starts at 8.9% APR, and fair credit (650-699) starts at 10.9% APR.
What financing terms are available?
We offer flexible terms from 36 to 84 months. Most buyers choose 60-month terms for the best balance of affordability and total cost.
Is there a down payment requirement?
Many qualified buyers can finance with as little as 0% down. A 10-20% down payment typically secures better rates and lower monthly payments.
Can I deduct equipment purchases on my taxes?
Yes. Under Section 179, businesses can deduct up to $1.22 million (2025) of qualifying equipment. Plus, 60% bonus depreciation applies in 2025. Consult your tax advisor.
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