Equipment finance · $10K – $500K typical transactions
Common-sense equipment financing, built around your business.
Direct equipment financing with flexible structures, responsive human review, and solutions for transactions that do not always fit a conventional lending box.
No rates, approvals, or terms are quoted on this site. All financing is subject to credit review and documentation.
- Scenario
- Human review
- Structure
- Documentation
- Funding
- Since 1997
- Direct equipment lender, making our own credit decisions
- Human review
- A person reads every scenario before it is decided
- $10K – $500K
- Typical transaction size for the files we structure
- Within 24 hrs
- Most decisions targeted within 24 hours of a complete file
Guided discovery
What are you financing?
Explore the seven structures AILCO reviews. Each path shows what to expect and where a specialist would take it next.
Financing path 01
New Equipment Financing
A dealer or vendor purchase with a clear invoice is the most straightforward structure.
Who it serves
Business owners and finance managers buying new equipment directly from a dealer or manufacturer.
What to expect
A vendor quote or invoice and basic business identity information — no credit decision made in this tool.
This selector is educational routing only. It does not evaluate credit, approve requests, or quote rates or terms.
A file is not a score. It is a business, an asset, and a seller — and each one deserves a question before a conclusion.
- 01
Used equipment
Age, hours, and remaining useful life are read in context — not filtered out by a rule that only understands new invoices.
- 02
Private sellers
A purchase from an individual or another business can be documented properly. Funds go to the verified seller, never to the buyer.
- 03
Specialized equipment
Purpose-built and low-volume assets are reviewed on their merits, including how the asset actually earns inside the business.
- 04
Soft costs
Freight, installation, tooling, and training are part of putting equipment to work, so they are discussed as part of the structure.
- 05
Unique cash flow
Seasonal revenue, ramp-up periods, and project-based work can be reflected in how a structure is shaped.
- 06
Human judgment
A sound file that does not fit a conventional lending box still gets read by a person who can ask the next question.
Financing solutions
Seven structures, one human review process
Every path below runs through the same review model: a person reads the scenario, confirms the documentation, and routes it to credit.
- 01New Equipment FinancingNew equipment financing lets a business acquire a dealer- or manufacturer-supplied machine using a loan or lease instead of cash, with the equipment itself serving as the primary collateral.
- 02Used Equipment FinancingUsed equipment financing works much like new equipment financing, with two extra questions: how much useful life the asset has left, and how clearly the sale can be documented.
- 03Private-Party FinancingPrivate-party equipment financing funds a purchase from a business or individual rather than a dealer.
- 04Equipment RefinancingEquipment refinancing replaces one or more existing equipment obligations with a new structure — often to consolidate several contracts, adjust term length, or reorganize payments around a season.
- 05Sale-LeasebackIn a sale-leaseback, a business sells equipment it already owns to a finance company and leases the same asset back, keeping it in service while converting owned value into working capital.
- 06Soft-Cost FinancingSoft costs are the non-hardware expenses required to put equipment into service: freight, rigging, installation, training, tooling, software, extended warranties, and sometimes sales tax.
- 07Startup Equipment FinancingStartup equipment financing serves businesses with limited or no operating history — typically under two years.
Industries
Equipment we already understand
Industry context shapes how an asset, a seller, and a season are read.
Construction & Site Work
Excavators, skid steers, attachments, compaction, and support trucks.
Transportation & Trucking
Day cabs, sleepers, trailers, and vocational bodies for owner-operators and small fleets.
Manufacturing & Fabrication
CNC, press brakes, lasers, welders, and material handling.
Agriculture & Land
Tractors, implements, grain handling, and irrigation.
Medical & Dental
Imaging, chairs, sterilization, lasers, and practice build-outs.
Machine Shops & Tooling
Lathes, mills, saws, inspection equipment, and tool packages.
Process
Three steps, no guesswork
From a non-sensitive scenario to documentation, with a person accountable at each stage.
- 1
Step one
Share the financing scenario
Non-sensitive details only: equipment, approximate amount, new or used, seller type, state, and timing.
No SSN, date of birth, bank credentials, or documents at this stage.
- 2
Step two
Receive human review
A specialist confirms the structure options and the documentation your file will need, then submits it for human credit review.
No rate, approval, or eligibility determination is issued from this step.
- 3
Step three
Secure application and documentation
Sensitive information is collected only inside the secure application. On approval, documents are issued and the vendor or verified seller is paid directly.
All financing remains subject to credit review and documentation.
What never happens on this website
Answer center
The questions borrowers actually ask
Answer-first, human-reviewed, and written to be quoted accurately.
For most requests under $100,000, a short application plus the vendor quote or bill of sale is the starting point. Bank statements or financials are requested only when the file needs them.
Read the full answer
Finance concierge
Ask AILCO supports our specialists — it does not replace them
The assistant educates, qualifies, and routes. Underwriting stays with people.
- Asks only non-sensitive qualification questions
- Never approves, declines, quotes a rate, or guarantees terms
- Never collects SSN, date of birth, banking credentials, or documents
- Ends in a secure application, a callback, or a specialist handoff
Visitor
I found a used skid steer from a private seller in Ohio. Can that be financed?
Ask AILCO
Yes — private-party purchases are a structure AILCO reviews regularly. To route this to the right specialist, I'll ask a few non-sensitive questions: equipment type, approximate amount, seller type, your state, and timing.
Visitor
About $58,000, buying this month.
Ask AILCO
Noted. I can't approve, decline, quote a rate, or guarantee terms — a person handles that. I never ask for a Social Security number, date of birth, banking credentials, or documents here. I'll prepare a summary for a specialist to review.
Opportunity summary
Demo data- Role
- Business owner
- Equipment
- Used skid steer
- Approximate amount
- $58,000
- Condition / seller
- Used · private party
- State / timing
- Ohio · this month
- Routing
- Private-party specialist · callback requested
Routed to a human specialist. No approval, rate, or eligibility determination is implied.
Resource center
Human-reviewed guides
Each guide names its reviewer, its last review date, and its sources.
- Used & private partyUsed Equipment Financing: What to Expect Before You BuyUsed equipment financing follows the same path as new equipment financing with two additional questions: how much useful life the machine has left, and how clearly the sale can be documented. Gather the year, make, model, serial or VIN, current hours or mileage, photos, and the seller's ownership proof before you apply, and the file will move far faster.Reviewed 2026-07-28 · 6 min
- Used & private partyBuying Equipment From a Private Party: A Documentation GuideA private-party equipment purchase can be financed when three things are documented: the seller genuinely owns the unit, any lien is identified and payable at closing, and the price is supportable. Funds are disbursed to the verified seller — never to the buyer — which is a protection for both sides.Reviewed 2026-07-28 · 7 min
- DocumentationDocuments Needed to Finance Equipment Under $100KFor most equipment finance requests under $100,000, the starting package is a completed secure application plus the vendor quote or bill of sale with a serial number or VIN. Bank statements, financials, payoff statements, or ownership proof are requested only when the specific file calls for them.Reviewed 2026-07-28 · 5 min
Proof
Where verified proof would appear
Intentionally empty in this concept. Nothing is represented that has not been collected, permissioned, and reviewed.
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Client testimonials
Reserved for named, permission-granted customer quotes once collected and approved.
Intentionally empty in this demo. No customer counts, funded volume, testimonials, or results are represented.
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Industry affiliations
Reserved for association memberships and credentials that can be independently verified.
Intentionally empty in this demo. No customer counts, funded volume, testimonials, or results are represented.
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Transaction examples
Reserved for anonymized structure examples after compliance review. No volumes or counts.
Intentionally empty in this demo. No customer counts, funded volume, testimonials, or results are represented.
Next step
Tell us what you are trying to finance.
Share non-sensitive details and a specialist will outline structure options and the documentation your file needs. Sensitive information is collected only inside the secure application.
All financing is subject to credit review and documentation. Nothing on this page is an approval, a rate, or a guarantee.