Independent research on business-purpose equipment loans and leases — how the structures work, what lenders actually check, and where Section 179 fits. Read the research, run the numbers — and when you're ready, we'll connect you with financing partners who work equipment deals like yours.
Editorially independent. We may earn a commission from partner links or the partners we connect you with — it never changes the analysis.
Collateral type drives underwriting — a reefer trailer, a pizza oven, and a dental chair are priced very differently. Start with the shelf closest to what you're buying.
Excavators, loaders, cranes — financing the big iron, new and used.
Open the shelfJobsite machines, attachments, and fleet financing for contractors.
Open the shelfTrucks, trailers, and TRAC structures — owner-operator to fleet.
Open the shelfOvens, refrigeration, and kitchen lines — replacement math included.
Open the shelfImaging, chairs, and practice tech — where leasing often competes.
Open the shelfHow the deduction really works with financed equipment — caps, traps, timing.
Open the shelfThe core structural decision, compared without a sales agenda.
Open the shelfOptions when you have little or no business history yet.
Open the shelfWhat changes below ~650 — and what the accessible money really costs.
Open the shelfPlain-language guides and lender comparisons from the research desk
The contract mechanics that separate a $1 buyout lease from an FMV lease, where the cost differences hide, and a plain framework for choosing between them.
Lenders price restaurants as a risk class, and used kitchen gear recovers little. What that means for approval, structure, and which items to finance at all.
Below-prime equipment deals exist because the collateral secures them. The real options, the factor-rate math, and how to tell a workable deal from a trap.
Age caps, mileage cutoffs, and down payment tiers drive truck approvals. What first-time buyers face, and the operating costs to price before you sign.
Every document lenders ask for, why the equipment quote matters more than people think, and the timing traps that stall fundings. A checklist worth keeping.
How equipment loans, $1 buyout leases, and FMV leases differ, what underwriters actually check, and how to compare offers on total cost instead of payment.
From the Research Desk
Compare the routes to equipment financing side by side — structures, trade-offs, and fine print — then request your options when you're ready. We connect you with financing partners; they make the offers, you make the call.
Editorial Independence
Analysis is never paid for or influenced by lenders.
Primary Sources
MachineFunded cites lender disclosures and official program documents, not marketing pages.
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