Approvals in hours, not weeks. $1k to $2M.

HEAVY METTLE Machinery · Finance

Finance

Lease-to-Own Equipment Loan Rent-to-Own Payment Calculator Section 179 Calculator
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Equipment Loan / EFA

Own it day one.
Build equity while it earns.

A straight equipment loan or Equipment Finance Agreement puts the title in your name from the start. Predictable payments, real ownership, and equity that grows with every hour on the meter.

  • Title is yours from day one
  • Build equity as you pay down
  • Simple, fixed terms
  • Finance up to 100% of the cost
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See your payment

9.9% sample APR
$
Payment frequency

Estimated payment

$

Financed: $

Total of payments: $

Lock in this payment: Apply
Why operators pick it

Built for how the work actually pays.

True ownership

It’s on your books as an asset from the start. No end-of-term decisions to make.

Equity that grows

Every payment builds value you can borrow against or sell down the road.

Predictable payments

Fixed rate, fixed term, fixed payment. Budget the job without surprises.

Depreciation upside

Own the asset, claim the depreciation. Section 179 and bonus depreciation may apply.

Quick funding

We pay the dealer or seller direct, fast. You’re running iron in days, not weeks.

Up to 100% financing

Little or nothing down for qualified buyers. Keep your reserves where they belong.

How it works

Simple from start to keys.

01

Find your machine

New or used, dealer or private sale. We finance the purchase either way.

02

Get your terms

One short application, a same-day decision, clear rate and payment.

03

Own & operate

We fund the seller, the title’s yours, and you’re building equity from hour one.

Good questions

The fine print, in plain English.

An Equipment Finance Agreement works like a loan but is streamlined for equipment: you own the asset and we hold a security interest (a UCC filing) until it’s paid off. Functionally, you own it day one.

Qualified buyers often put little or nothing down. A larger down payment can sharpen your rate, but it’s not required.

Absolutely. Buying from another operator or at auction? We can fund private sales, not just dealers.

We finance used iron all the time. Term length flexes with the machine’s age and hours. Older units just run shorter terms.

No nasty surprises. Ask us for your structure up front; most operators can pay ahead without penalty.

Another way in

Not quite the right fit?

Lease-to-Own Want a lower payment? Lease it and own it for $1 or 10% at the end. Rent-to-Own Testing a machine first? Rent it and rebate toward the purchase.

Ready to put it to work?

Get a real decision today and keep the project moving.

Apply now