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Midland Equipment Financing

Streamlined equipment loans and leases from $50,000 to $5,000,000+ available in all 50 states.

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Partnership Programs

Vendor Equipment Financing

 

Amounts

Equipment Financing Amounts 

$50,000 - $5,000,000+

Time

Time to Funds

As Fast as 24 Hours

 

Down

$0 Down

100% Financing

Book

Programs

Loans and Leases

 

Single

Single-Page Application

Transactions Up To $500,000

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Looking for more payment options to offer your customers?

It’s easier than you think with Midland Equipment Finance.

Vendor Partnership Program

Get Tailored Equipment Financing Solutions Based on Your Industry

Construction

Finance new construction technology while affordably replacing worn out equipment.

Learn More   Let's Connect

 

Manufacturing

Upgrade manufacturing machinery and enjoy Section 179 tax savings.

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Forestry & Logging

Our experts know logging and tailor programs to fit your unique needs.

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Transportation

Trucking companies and others that transport goods and people need the right heavy equipment.

Learn More   Let's Connect

 

Golf & Turf

Finance turf maintenance equipment and more today.

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Specialty Vehicles

Different vocations need different options, and financing can help provide those options.

Learn More   Let's Connect

 

Environmental & Waste

Get financing on recycling, solid or liquid waste equipment & more.

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Healthcare

Financing for hospitals, surgery centers, private practices, vets, and dental centers to name a few.

Learn More   Let's Connect

 

Capital Markets

Specializing in the acquisition of third-party originated equipment financing portfolios and single transactions.

Learn More   Let's Connect

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A Top 50 Equipment Finance and Leasing Company in the US

As reported in the The Monitor Bank 50 list for asset size and new business volume. 

 

Meet Our Management Team

EquipmentEquipment Loans

Build Equity In The Equipment You Are Buying To Build Your Business

If you’re purchasing equipment that has a long useful life that won’t become outdated in the near future, then an equipment loan may be your best option. At the end of the term, you’ll gain ownership of the equipment and may be eligible for tax savings through depreciation deductions.

 

Benefits

  • Predictable, fixed monthly payments
  • Competitive bank pricing and rates
  • You gain ownership at the end of the term
  • You may qualify for tax depreciation deductions
  • May be easier to qualify

Get More Information

 

 

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FinancingEquipment Financing Agreements

Conserve Capital with an Equipment Financing Agreement that Acts Like A Loan

Bundle 100% of your equipment and soft costs into one monthly payment with an equipment financing agreement (EFA) and retain more of your capital for daily expenses and emergencies. Financing is complicated. Keep it simple with an EFA.

 

Features

  • Simple one-page application for transactions up to $500,000
  • Same-day turnaround on credit decisioning & documentation
  • Streamlined processing
  • Transaction sizes from $5,000 to $5 million
  • Available for a wide range of equipment types and industries
  • Accessible to customers located in all 50 states
  • Assistance from leasing consultants, your local branch or customer service

Get More Information

TracTrac Leases

Tax Deductible Monthly Payments With End of Contract Options

A Trac lease (Terminal Rental Adjustment Clause) is a specialized version of an open-end lease limited to motor vehicles and trailers for commercial use more than 50% of the time. With this lease option, you get low monthly payments allowing you to get the equipment you need at an attractive rate.

 

Benefits

  • 100% financing available
  • Payments are tax deductible
  • Lease terms are often more attractive than purchasing
  • Improved cash flow
  • Purchase, continue leasing, or return equipment at maturity

Get More Information

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LeasesEquipment Operating Leases

Reduce Your Balance Sheet Liabilities with an Operating Lease

Operating leases are not capitalized on a balance sheet. An operating lease enables your business to use equipment without weighing down the books with its acquisition cost. After advance and monthly payments, you have the option to return the equipment, re-lease it or take ownership for its fair market value.

 

Programs and Terms

  • Fair Market Value buyout options
  • Repayment terms from 36 to 84 months
  • Variable terms for seasonal industries

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AfforableEquipment Finance Leases

Get Affordable Payments and Tax Advantages with a Finance Lease

Your business relies on quality equipment to keep the lights on over the long run. We'll structure affordable payments over extended terms up to 84-months. At the end of the term, you can take full ownership of the company workhorse for a $1. Finance leases span the useful life of your equipment as it generates income for your business while allowing you to take advantage of tax depreciation benefits.

 

Advantages

  • Predictable, fixed monthly payments
  • Conserves working capital and credit lines
  • 100% financing (equipment is collateral)
  • Quicker equipment delivery
  • You may qualify for tax depreciation deductions
  • Competitive bank pricing and rates

Get More Information

Equipment Financing FAQs

We provide equipment finance loans and leases, including tax leases, operating leases, trac leases, equipment finance leases and equipment finance agreements. Our equipment finance experts have industry-specific expertise so they can connect you with financing that's right for your business and takes into account your industry requirements.

Our commercial equipment finance rates depend on several factors including the term of the financing, product chosen, and credit quality. We work hard to provide our clients with tailored equipment finance rates that are competitive so they can focus on growing their business. Contact us today to talk to an expert for more information. 

Our typical range is anywhere between $50,000 to over $5,000,000. We have a versatile team with years of industry-specific experience to guide you to a flexible financing solution that fits your business needs and takes into account the transaction size you need.

Things we look for in applicants include:

  • Industry standard acceptable FICO scores
  • No major derogatories within the past 2 years
  • Installment debt history required
  • Minimum of 36 months in business
  • Commercial entities only
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Competitive Rates & Unparalleled Industry Expertise To Help You Grow

Midland Equipment Finance helps businesses achieve success with simplified equipment financing options, competitive pricing and fast processing. Long-term relationships are everything to us. We measure our success on that of the vendors we serve and the satisfaction of their customers.

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How We Partner with Vendors & Dealers

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1. Partnership

After applying, Midland Equipment Finance (MEF) reviews vendor and dealer applications and begins talking with applicants.

 

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2. Prospect

Once a partnership is formed, vendors and dealers make introductions between MEF and their clients with MEF now being able to contact the customer directly to discuss their needs and create a tailored financing solution.

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3. Review

MEF assesses the available credit options and structures based on the client’s financial statements. Customers select their preferred options.

 

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4. Underwriting

Performed by MEF and upon agreement by the client, MEF coordinates with third parties to ensure timely delivery of funds.

How We Partner with End-Users

Step 1: Apply

Book

 

Contact us to start with our simple one page application for transactions up to $500K

Step 2: Connect

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Enjoy same-day turnaround on credit decisioning & documentation

Step 3: Fund

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Receive funding in as fast as 24 hours

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Ready to Finance? Begin Here.
Tell us about your business to get started. If you're already a Midland Equipment Finance customer, please connect with your Account Manager directly for advice tailored to you.