How Equipment Financing Works
Our equipment financing solutions are structured to help businesses secure critical assets with speed and efficiency.

• Equipment as Collateral: Use your existing equipment or the new equipment you intend to purchase to secure financing.
• Rapid Access to Capital: With the equipment serving as collateral, we accelerate approvals and funding, allowing you to maintain operational momentum.

Flexible Use of Funds: Capital can be deployed to acquire new equipment, upgrade existing machinery, or enhance productivity across your operations.

Loan Structure and Terms

• Loan Amounts: No formal maximum; structured around your business needs and the equipment value.
• Payment Options: Weekly and monthly structures available, designed to align with your cash flow.

​Interest Rates: Starting at 8.99%, based on credit profile, equipment type, and repayment strength.
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What is Equipment Financing?
Equipment financing allows your business to acquire mission-critical machinery, vehicles, and technology without compromising liquidity. You retain cash reserves for operational needs while paying for assets over time under terms tailored to your financial profile.

Equipment Financing vs. Equipment Leasing

• Equipment Financing: You secure a loan to purchase equipment, take immediate ownership, and build equity as you repay the obligation. Once satisfied, the asset is fully yours.

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Equipment Leasing: You pay to use the equipment for a defined period. Ownership remains with the lessor unless an option to purchase is executed at the end of the term. If you opt not to purchase, you may return or extend the lease.
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Section 179 and Tax Strategy
Section 179 of the IRS Tax Code enables businesses to deduct all or part of the cost of qualifying equipment in the year it was financed or purchased. This can substantially reduce taxable income and preserve capital for reinvestment. 
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Industries Served
We provide equipment financing across a broad range of sectors, including but not limited to:
Asphalt, automotive and transportation, construction and trucking, industrial machinery and tooling, mining and logging, printing and publishing, waste management, manufacturing and welding, packaging, healthcare and dental, hospitality, restaurants, landscaping, fitness, laundromats, breweries and beverage production, agriculture, robotics, and material handling.

Popular Equipment Types Financed

Heavy machinery and construction equipment
Manufacturing lines and machine tools
Medical, dental, and laboratory equipment
Restaurant and hospitality equipment
Vehicles and fleet assets
Landscaping and arborist equipment

Fitness and gym installations
Printing, Packaging, and Labeling Systems​
Computers, software, and integrated systems
Audio/visual production gear
Waste management and recycling systems
Robotics and advanced automation

Tailored Equipment Financing Solutions
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• Purchasing New Equipment: Acquire essential assets without depleting working capital. We structure competitive purchase financing that supports growth objectives.

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• Refinance Existing Equipment Loans: Improve cash flow by restructuring current obligations, consolidating payments, or securing more favorable terms.

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• Cash-Out Refinance on Owned Equipment: Leverage the equity in existing equipment to inject working capital into your business, without liquidating assets.
  
  

Required Documentation
​For an efficient underwriting process, please prepare:

• Year-to-date bank statements and financials
• Business tax returns for the past two years
• A current debt schedule
• Appraisals or supporting documentation establishing equipment value

It’s Time to Advance Your Business
Do not allow capital constraints to dictate your growth trajectory. Secure the equipment your business needs to maintain competitive advantage and execute on opportunities.
Partner with United Capital America LLC for financing solutions engineered to meet your operational demands with the speed, professionalism, and precision you expect.

Frequently Asked Questions

Does my business retain title to the equipment during the financing term?

Yes. In a standard equipment finance agreement, your business holds title while we maintain a security interest (lien) until the obligation is satisfied. Once your final payment is made, the lien is released.

Can I pay off my equipment financing early without penalties?

Many of our programs offer flexible prepayment options. Depending on structure, you may pay down principal early to reduce interest or satisfy the balance in full. We tailor these terms at closing to fit your objectives.

What if the equipment loses value faster than expected?

Our underwriting already accounts for depreciation. Provided you meet your scheduled payments, short-term fluctuations in asset value typically have no impact on your agreement.

Can equipment financing improve my company’s balance sheet?

Yes. By preserving cash reserves and structuring debt tied directly to revenue-generating assets, you strengthen liquidity ratios and maintain more attractive financial statements for stakeholders.

Is financing equipment through my business different from using a personal guarantee?

Equipment financing is primarily secured by the equipment itself and your business financials. Personal guarantees may still apply depending on the entity strength and ownership structure, but we structure this carefully to protect your business interests.

How does financing equipment affect existing credit lines or borrowing capacity?

Because equipment financing is collateral-backed and often off your main revolving facilities, it typically preserves availability on lines of credit for operational or short-term needs.

Can I finance multiple pieces of equipment under one agreement?

Absolutely. We routinely structure blanket equipment facilities so you can acquire multiple assets—across different vendors or categories—under a single financing arrangement.

What happens if I need to upgrade or replace the equipment before the term ends?

In many cases we can restructure the facility to accommodate new equipment, or you may opt for a trade-in scenario. We work closely with you to ensure your capital strategy evolves with your operational demands

Is insurance required on financed equipment?

Yes. To protect both parties, financed equipment must be insured against loss, damage, or theft for the duration of the financing term. We’ll outline specific coverage requirements at origination.

Can financing cover related costs beyond the equipment itself?

Yes. Many of our agreements allow you to include ancillary costs such as shipping, installation, training, and warranties—reducing your immediate out-of-pocket burden.

Ready to move forward?

Complete our Business Registration Form and select Equipment Financing

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