Equipment Financing
What is Equipment Financing?
An Equipment Finance Agreement (EFA) puts the title in your name from the moment the equipment is delivered. It functions like a loan: United provides the capital, you own the asset, and we hold a security interest until the agreement is paid in full. What makes it different from a bank loan is the structuring. We build EFAs with the same flexibility as a lease — custom payment schedules, seasonal terms, balloon options — around how your equipment actually generates revenue.
How Equipment Financing Works
Simple, transparent, and built for your business.
Equipment Selection
You choose the specific equipment or vehicles your business needs — new, used, or factory-ordered.
Creative Structuring
United designs a payment plan around your revenue cycle: level payments, step-ups as the equipment ramps, seasonal schedules, or a balloon at the end.
Acquisition
We provide the capital to purchase the equipment. Title is issued in your name.
Repayment
You make regular payments according to your schedule. United holds a security interest until the agreement is fulfilled.
Full Ownership
Once the agreement is paid, the lien is released and the equipment is yours free and clear.
The Benefits of Equipment Financing
Path to Equity
Every payment builds ownership in a business-essential asset. At the end of the term you hold equipment with real resale or trade-in value — not a return-or-renew decision.
Creative Payment Structures
Start lower and increase payments as your new equipment generates revenue, align payments to your busiest months, or defer a portion of principal to the end of the term to lower your monthly payment.
Tax Advantages
As the owner, you may be able to take advantage of Section 179 expensing and depreciation, along with interest deductions. Consult your tax professional to understand what applies to your situation.
Flexible Terms
Terms are customized to the useful life of the equipment, typically 24 to 84 months — so your payment period matches how long the asset actually earns.
Total Control
You own it, so you control it. Maintenance, hours, modifications, usage, and eventually the resale or trade-in — no usage restrictions and no return condition standards to meet.
Fast Decisions. A Team to Support You
Approvals in days, not weeks. A dedicated team who knows your account and can move when you're ready to buy.
Equipment Financing FAQs
You do. Unlike a lease where the lender holds the title, an EFA allows you to hold the title to the equipment from the start, while United holds a security interest (lien) until the agreement is paid in full.
Yes. If you are looking to minimize your monthly payments, we can structure an EFA with a balloon payment at the end of the term, similar to a residual in a lease.
Absolutely. We offer "step payments" where your monthly cost can start lower during the ramp-up phase of your equipment and increase later, or seasonal payments that align with your peak revenue months.
The primary difference is titling and ownership. In a lease, the lender owns the asset; in an EFA, you own the asset from day one. However, both can be structured with similar payment flexibility and end-of-term options.