Equipment Financing & Leasing for Dallas Businesses

What is Equipment Financing?

Equipment financing allows businesses to acquire the machinery, vehicles, technology, and other equipment they need without paying the full purchase price upfront. The equipment itself typically serves as collateral, which often allows for better rates and terms than unsecured financing.

For Dallas businesses looking to upgrade operations, expand capacity, or stay competitive with the latest technology, equipment financing provides a path to growth without depleting cash reserves.

Equipment Loan vs. Equipment Lease

We offer both equipment loans and equipment leases, each with distinct advantages. For a detailed breakdown, see our guide on equipment loan vs. lease comparison.

Equipment Loan

With an equipment loan, you own the equipment from day one. You make regular payments over the loan term, and at the end, the equipment is yours free and clear.

Best for:

• Equipment you plan to use long-term
• Assets that retain value well
• Businesses wanting to build equity
• Taking advantage of depreciation deductions

Equipment Lease

With an equipment lease, you make payments to use the equipment over a set term. At the end, you typically have options to purchase, return, or upgrade.

Best for:

• Technology that becomes outdated quickly
• Businesses wanting lower monthly payments
• Preserving cash and credit lines
• Testing equipment before committing to purchase

Types of Equipment We Finance

Our equipment financing covers virtually any business equipment:

Vehicles & Fleet

• Commercial trucks and vans
• Delivery vehicles
• Company cars
• Specialized vehicles

Construction & Heavy Equipment

• Excavators and bulldozers
• Cranes and lifts
• Concrete equipment
• Compactors and pavers

Manufacturing Machinery

• CNC machines
• Production lines
• Packaging equipment
• Processing machinery

Technology & Office Equipment

• Computers and servers
• Point of sale systems
• Printing and copying equipment
• Telecommunications systems

Medical & Healthcare Equipment

• Diagnostic equipment
• Treatment machinery
• Medical devices
• Office equipment

Restaurant & Food Service

• Kitchen equipment
• Refrigeration units
• Point of sale systems
• Furniture and fixtures

Section 179 Tax Benefits

One of the significant advantages of equipment financing is the potential for Section 179 tax deductions. Under current tax law, businesses can deduct the full purchase price of qualifying equipment in the year it’s acquired, rather than depreciating it over several years.

Key Benefits:

• Immediate tax savings in the year of purchase
• Applies to both new and used equipment
• Can significantly reduce your effective cost
• Works with both loans and certain lease structures

Note: Tax laws change, and benefits depend on your specific situation. Consult with your tax advisor to understand how Section 179 applies to your business.

Equipment Financing Requirements

To qualify for equipment financing:

• Time in Business: Varies by amount (newer businesses may need more documentation)
• Revenue: Generally proportional to the financing amount requested
• Equipment Type: Most business equipment qualifies
• Credit: We consider multiple factors beyond just credit score

For larger equipment purchases ($100K+), we may request additional documentation including financial statements and equipment quotes.

The Equipment Financing Process

1. Equipment Selection

Identify the equipment you need and get quotes from vendors. New, used, and refurbished equipment can all qualify.

2. Application

Complete our simple application and provide basic business information. For larger amounts, we’ll request additional documentation.

3. Approval

Our team reviews your application and works with our lender network to find the best options for your situation.

4. Documentation

Once you select an offer, we prepare the financing documents for your review and signature.

5. Funding

Funds are disbursed directly to the equipment vendor, and you take possession of your new equipment.

Why Choose Equipment Financing Dallas Pros?

Extensive Lender Network

We work with multiple lending partners to find the best rates and terms for your specific equipment needs and business situation.

Local Expertise

Our Dallas-based team understands the equipment needs of local industries and can provide personalized guidance.

Flexible Options

From small equipment purchases to multi-million dollar fleet financing, we have solutions for every need.

Fast Processing

Our streamlined process gets you from application to equipment delivery as quickly as possible.

Ready to Finance Your Equipment?

Don’t let capital constraints hold your Dallas business back from acquiring the equipment you need. Apply today to explore your equipment financing options—pre-qualification takes just minutes and won’t affect your credit score.