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Midland Equipment Finance

Offering the flexible, competitive financing you need to help your business grow.

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A thumbs up icon with a starburst above the thumbEquipment Financing That’s Tailored to Your Needs

Midland Equipment Finance offers benefits you won't find anywhere else, like:

  • Same-day approvals to reduce the amount of time it takes you to get essential funds as much as possible.
  • Convenient and flexible loans, equipment finance agreements, trac leases and more.
  • Seasonal payments that take into account the way your business operates and generates revenue.
  • Titled equipment to generate as much visibility into this process as we can.
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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


Keep Growing with Our Environmental & Waste Equipment Financing

At Midland Equipment Finance, just a few of the asset types that we're fully capable of financing include but are not limited to ones like:

  • Waste Equipment Financing
  • Garbage Truck Financing
  • Recycling Equipment Financing


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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

money with thumbs up iconSpecialized Trac Leases

Trac is short for "Terminal Rent Adjustment Clause," which is a particular type of arrangement that offers a final rental adjustment on your lease once the vehicle in question has been removed from service and sold.

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calendar iconThe Flexibility of Seasonal Payments

If your business operates seasonally, monthly payments aren't just illogical - they actually make the financing process more of a burden than it has to be. With seasonal payments, you can handle your obligations in a way that better suits how your organization actually operates.

Let's Get Started

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same day approval iconEssential Same-Day Approvals

You don't have to wait days or even weeks to get access to the funds you need to succeed. With same-day approvals, you can get that money quickly so that you can start putting it to good use.

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Frequently Asked Questions

Equipment finance agreements are leases that act like a loan. They allow you to bundle 100% of all your equipment and soft costs together, giving you the opportunity to enjoy one fixed monthly payment. This prevents the need to invest so much cash into a down payment, letting you retain more of your capital than ever to be used for daily expenses.

Thanks to the streamlined processing that we've worked hard to build over the years, you can get approval very quickly. With just a simple one-page application needed for transactions up to $500,000, you can enjoy fast credit decisions - typically the same day. Same-day approvals are also available in most situations.

Midland Equipment Finance is proud to offer its flexible and innovative blend of services to customers in all 50 states.

At Midland, we strive to become a true partner to your business in every sense of the word - which is why we offer more than just financing. You'll always be able to get assistance from not only our dedicated financing consultants who are intimately familiar with your industry, but also your local branch and even a customer service hotline as well.

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About Midland Equipment Finance

At Midland Equipment Finance, we've been working hard to meet the needs and exceed the expectations of environmental and waste management professionals for over 15 years. In addition to competitive finance pricing and unparalleled service, we also offer you access to a team of passionate, dedicated experts who actually know your industry as well as you do. Long-term relationships mean everything to us, and we always measure success not on our terms - but on the satisfaction of customers like yourself.

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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



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


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.