Equipment Financing Solutions
Financing Program
Requirements
Deals Under $150K
- Personal financial statement for each guarantor
- Most recent 3 months bank statements
- Completed credit application
Deals $150K+
- Personal financial statement for each guarantor
- Most recent 3 months bank statements
- Completed credit application
- Business and personal tax returns
- Balance sheet
- Profit and Loss Statement
How to Get Started
Submit Your Application
Complete the secure credit application on this page to start your financing journey. By filling out the application, you take the first step toward accessing the funds you need for your business.
Connect with a United Rep
A representative from United will contact you to provide an update on the status of your credit application and collect any additional documentation if necessary.
Secure Your Financing
Once your deal has been reviewed and approved, you’re ready to secure the funds you need for your business to ensure your business stays competitive and prepared for whatever comes next.
Financing is provided by United Leasing & Finance, a trusted direct lender serving businesses nationwide for more than 60 years. We help companies like yours get the equipment they need with confidence.
*All loans are subject to credit review and approval. Minimum transaction size of $50,000; personal loans are not available. Terms and conditions apply. Please contact us for further details.
Book a Meeting
Schedule a meeting with Jon Richard, Corporate Account Executive with United Leasing & Finance, to get the process started.
Frequently Asked Questions (FAQ)
The initial credit application process takes approximately 5-10 minutes to complete. After your application has been submitted, a United account executive will guide you through the next steps to secure your financing as quickly as possible.
Financing can provide the necessary capital to purchase or upgrade vehicles and equipment, allowing you to grow or manage your business. United will help you build and maintain your business credit. Additionally, financing helps your business preserve cash and credit lines, so in case of an emergency, you have capital on hand for when your business really needs it
Here’s some of the information you’ll need to include (this is not a full list, but it covers the main sections):
Business information (such as legal name, federal tax ID, annual income, address, and time in business)
Personal guarantor (PG) information – a PG is someone who personally guarantees repayment if the business cannot (such as name, contact information, title, and SSN)
Equipment details finance amount (vendor details, year/make/model, and VIN/Serial# if applicable)
Signature section to authorize review
Yes! We can finance custom upfits on trucks you already own, not just new purchases.
We finance more than custom truck upfits with Meyer Truck Equipment. United Leasing & Finance works across a wide range of industries, helping businesses acquire essential equipment and vehicles. Beyond fleets and trucks, we also finance:
Manufacturing equipment
Specialized industrial machinery and equipment
Construction equipment
Trailers
Service vehicles
Tree care equipment
- Utility vehicles
- Cranes
If it’s critical to keeping your business moving, there’s a good chance we can finance it.
Yes, you can. Many of our customers expand or upgrade their equipment over time, and we can help you finance those additions. Whether it’s an extra truck upfit or additional business equipment, we can structure financing to support your growth.
In addition to financing, we offer ongoing support through dedicated account executives, customer service team members, an in-house titling department, fleet management solutions, fuel maintenance programs, driver safety tools, and telematics systems, to help you grow and maintain your business.
Yes, we can refinance existing loans from other lenders, provided that the loans are under your business name. We do not refinance loans for vehicles that have been financed under your personal name to your business. Contact us to discuss the refinancing options available. Apply for refinancing using the same application above.
You can apply for financing by completing the credit application on this page. Once submitted, an account executive will contact you to discuss your options.
Businesses can often take advantage of Section 179 and bonus depreciation when financing equipment. Section 179 allows you to deduct the full purchase price of qualifying equipment during the tax year it’s placed into service (up to certain limits). Bonus depreciation may also be available, offering an additional way to reduce your taxable income. Here's a resources we put together to get you started:
**Be sure to consult with your tax advisor to understand how these opportunities apply to your business.
We review both business and personal credit history as part of the approval process, along with the overall financial strength of your company. Having a strong personal guarantor can improve your chances of approval. Every business is different, and we look for ways to structure financing that works for you.
The first and last month’s payments are typically required upon delivery of your equipment, plus documentation fee(s) at signing. After that, you can begin making regular payments.