Equipment Financing
Finance your next machine — get pre-qualified in minutes
Competitive rates, flexible terms, and instant underwriting through Southend Capital, our vetted financing partner. One quick form, competing offers, no impact to explore.
Secure pre-qualification • Submitting does not guarantee approval
Terms up to 72 months
Spread payments across 24–72 month terms to keep monthly costs manageable.
Competitive rates
Access competitive market rates across multiple financing structures.
Secure & confidential
Your information is transmitted securely to Southend Capital — exploring your options is confidential.
Built for contractors
Financing designed for used excavators, dozers, loaders, cranes, and vocational trucks.
How financing works
Three simple steps from interest to funded — most of it happens online.
Tell us about the machine
Share a few basics — the equipment you want and roughly how much you need to finance. No paperwork to start.
Get pre-qualified fast
Your request is transmitted securely to Southend Capital, our vetted financing partner, for instant underwriting.
Review your offers
Compare competing structures and monthly payments, then choose the option that fits your cash flow and get funded.
Financing structures to fit your business
Choose the structure that matches your cash flow and ownership goals. Terms available from 24 to 72 months.
Equipment Finance Agreement (EFA)
from 8.9% APR*Finance-to-own agreement. You build equity from day one and own the machine outright at the end of the term.
Traditional Lease
from 7.9% APR*Lower monthly payments with an end-of-term residual. Ideal for preserving working capital and upgrading equipment often.
10% Fair Market Value (FMV)
from 8.4% APR*Lease with a 10% fair-market-value purchase option at the end of the term. Balances payment size with a clear path to ownership.
$1.00 Buyout
from 9.4% APR*Capital lease structure — own the equipment for $1.00 at the end of the term. Full ownership with predictable payments.
*Estimated rates for illustration only. Your actual rate, term, and structure are determined by Southend Capital based on credit and equipment.