Equipment Financing

A structured discussion around the business need.

Equipment purchases can increase efficiencies of any institution, but if ill financed, the purchase can also be the downfall of the company. At Shaffer Capital, we assure to match the proper financing terms and conditions to your equipment purchase.

Equipment is where the financing structure matters more than the rate. A machine bought on the wrong terms ties up the operating line the business needs to actually run. Structures we have arranged here include leasing with a buyback, term loans, capital postponement of up to 24 months, amortisation stretched to 12 years, and seasonal repayment matched to how the business earns.

On one manufacturing file the financing covered 125% of the equipment cost — the machine plus engineering and setup — over a 12-year term, with the first two years interest only and half the facility at no interest. That combination let the company add 25% production capacity without touching working capital.

Public financing options

Terms and availability depend on the business, transaction, and lender. Publicly described considerations in this area include:

Before you call, it helps to have the quote, the delivery date, and whether engineering and installation sit inside or outside that price. Those three decide most of the structure. It can also identify the people to involve, the matters requiring validation, and the order of next steps so the discussion remains useful to both the business and the lender.