From cash constraints and seasonal slowdowns to rising costs and tax planning, businesses face unique financial hurdles every day. That’s why eight out of ten U.S. companies—ranging from Fortune 500 corporations to family-owned businesses—choose financing as their preferred method of acquiring equipment.

At AEF Equipment Finance, we make financing simple, flexible, and built around your goals.

What We Offer

• Application-only approvals up to $1,000,000

• 100% financing available (including soft costs like delivery, installation, or training)

• Flexible terms from 12 to 84 months

• Step/skip payment options to support seasonal cash flow cycles

• Broad credit allowances—including startups and credit-challenged businesses

• Fixed monthly payments to help protect against inflation

Why Businesses Choose Financing

When it comes to acquiring essential equipment, you have choices: pay cash, borrow from your bank, or finance. Financing with AEF provides unique advantages, including:

• Improved cash flow management

• Preservation of existing bank lines and credit resources

• Inflation protection with fixed monthly payments

• Easier budgeting and forecasting

• The ability to match equipment costs with revenue generation

• Flexibility to choose the right equipment for your business needs

• Tax advantages, including potential Section 179 deductions

• Customized lease structures to fit your business model

• Reduced risk of equipment obsolescence

• Coverage of hidden costs (delivery, setup, etc.)

How It Works

With AEF financing, you make predictable monthly payments over a fixed period (typically one to five years). During the term, AEF holds title to the equipment, and at the end, you may exercise a purchase option to take ownership.

This structure allows you to use the equipment now, pay over time, and keep your capital working for other priorities.