Partner-Driven Equipment Financing

Boost Your Sales with Custom Financing Solutions

Offer flexible equipment financing solutions that close deals faster.

The Power of Equipment Financing Partnerships

As a business dedicated to providing the best solutions for your customers, you understand the challenges they face when acquiring essential equipment. Outright purchases can strain cash flow and limit their ability to invest in their growth. By offering an equipment financing solution, you can set yourself apart and give your clients the financial flexibility they need to invest in new or updated equipment. Our financing options are designed to integrate seamlessly with your sales process to enhance your value proposition and boost your sales figures.


Nearly 80% of U.S. businesses use financing when acquiring equipment, including loans, leases, and lines of credit.

Why Choose Our Financing Solutions?

Tailored Solutions for Diverse Needs

With more than 60 years of experience in equipment financing, we understand the nuances of various industries. From construction to fitness, we offer customized financing solutions that cater to the specific needs of your clientele, ensuring they have the tools they need to succeed without compromising their cash flow.

What We Offer:

Industry Expertise

60 years of experience across various sectors in the U.S. and Canada.


Financing solutions crafted to meet the unique needs of your business and customers.

Dedicated Support

We prioritize your customers' and your success, guiding you every step of the way.

Join the thousands of businesses that have enhanced their sales with our flexible equipment financing solutions. Contact us today or call 812-475-3389and let’s drive growth together.

Seamless Integration

Our financing solutions integrate directly into your sales process, ensuring a smooth transition for your clients.

Scalable Opportunities

As your business grows, our financing solutions scale with you, supporting you at every stage of your expansion.

Competitive Advantage

Equip your business with the tools to outperform competitors by offering superior financial flexibility from a reliable partner with six decades of experience under their belt.

Join Our Network of Thriving Partners


Learn how our partnership can transform your business model with an initial consultation.


Get a tailored financing plan that suits your business and enhances your product offerings.


Benefit from ongoing support and see your business reach new heights with our partnership.

A Partner You Can Trust

At United Leasing & Finance, we’re more than just a commercial lender. We’re a partner dedicated to your success. Our solutions span a wide range of industries, ensuring that no matter your sector, we have the expertise to support your growth.

Car & Truck Rental


Fitness / Health & Wellness

Ground Transportation


Mining & Explosives

See What Our Clients Are Saying

United Leasing & Finance goes above and beyond – they feel like an extension of our team. When COVID-19 hit, they were proactive and flexible, which made a world of difference. I trust them completely and would recommend them to anyone in my network.
Julia P.
Starting my lease with United was seamless. They're not just responsive; they're proactive – anticipating my needs and making the process smooth. It feels like they're invested in my business success.
Stephen T.

One of the Top-Rated Equipment Financing Companies in the U.S.

Top 30 Independent Finance Company in 2024

Top 100 Equipment Finance Company in 2024

Top 30 Independent Finance Company in 2023

Top 100 Equipment Finance Company in 2023

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Ready to Elevate Your Business? Let's Talk Financing

Contact us to schedule a discovery call today.

Equipment Financing FAQs

Equipment financing allows you to:
– Expand operations
– Preserve working capital for essential expenses
– Upgrade outdated equipment
– Qualify for tax incentives
– Reduce downtime and maintenance costs
– Boost efficiency and output
– Ensure regulatory compliance

A signed and completed credit application. You can apply using our secure online credit application by clicking here.

By partnering with United to finance your manufacturing equipment, we 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.

United Leasing & Finance will finance your business essential equipment, vehicles, and other business machinery. We provide financing for customers across a wide range of industries from car rental, construction, manufacturing, hospitality, fitness, health and wellness, taxi and limousine, and much more! We can also finance your customers if you are a dealer or vendor that sells equipment to businesses.

The credit application lists all the items you need to provide, including the following: information about the vendor or equipment supplier, business information including legal business name, Federal Tax ID (EIN), annual income, business type, address, a contact name for the person executing the lease, guarantor information, estimated equipment cost, equipment description, and equipment location.

The first and last month’s payments are typically required upon delivery of your equipment, plus documentation fee(s) at signing.

With most transactions, the approval process takes around 1–2 business days. We will then issue the final documentation. In most cases, the funding only takes a few days. The process can take longer depending on the availability of equipment.

Payments on your equipment finance contract begin once you have taken delivery of the equipment you purchased.

Vendor Partnerships

Since 1969, United Leasing & Finance has been structuring vendor lease programs across a wide array of industries.

Our size and expertise means we are fully capable of servicing not only your needs, but also your customers’ needs. Coupled with our quality and service philosophy, United Leasing & Finance provides customized services and financing solutions in a timely and personal manner. Our goal is to help you close the deal!

Here are a few ways your customers benefit from leasing and you benefit from the speed and ease of our transaction process:

Vendor Benefits

Currently more than 80% of all B2B equipment sales are financed. Offering payment options automatically keeps you in front of this group.

Financing allows you to get paid in full right away. You make the sale; we take the risk.

Cash flow and cash reserves are more important to businesses than ever. Not offering financing means you are susceptible to losing these customers to finance-offering competitors.

No more having customers hold up sales while waiting for the bank or other funding. Offering instant financing also takes “let’s see if we have the budget” out of the equation.

Offering a payment option is a good benefit to tout, but it can go further. Smart companies are tailoring custom, creative financing and lease programs to their clientele.

By offering financing, you can offer low monthly payments making it easier to increase your margins. Financing helps the customer avoid making a large cash outlay and frees them up to make more purchases.

How To Sell Financing

Be a one-stop shop. Many equipment sales are lost if you can’t offer financing and leave it up to an outside party, like the customer’s bank. This loss of control during the sales process is an open door for the customer to entertain other proposals from competitors. Control the sales process from start to finish.

Waiting until the end of the sales process to bring up financing leads to wasting time on customers who don’t qualify for financing or have cash to pay for it. Another downside of waiting is that the equipment sales rep has stripped out any gross margin upside that could have been used to pay for a finance promotion, like a 90-day skip or interest rate reduction, that would have put them over the top to win the deal.

  • Do you plan on financing your equipment purchase? (Starts the equipment finance discussion on the front side of the sale.)
  • How long do you plan on using the equipment? (Lets you know the term of the finance contract.)
  • What do you typically do with old equipment when purchasing new? (Good indicator if a FMV or guaranteed residual lease would be beneficial. Using a residual allows for lower payments during the lease term and is usually a good fit if the customer trades in or sells the asset at the end of the term.)

Including a finance quote on every deal, at the very least, lets your customer know financing is available.

Don’t be afraid to ballpark a monthly payment verbally during the initial part of the sale. This allows you to judge the customer’s reaction to pricing.

When more than 50% of the equipment is financed, the best sales reps will quote a monthly payment without ever discussing the equipment cost. This allows them to maintain higher gross margins by using the flexibility of leasing to maintain pricing margins.

  • One of the best ways to justify the price of your equipment is to use a monthly payment to minimize the price shock. Use creative ways to breakdown the cost of the equipment to show how your equipment can help improve the customer’s sales and profitability.
  • Example: Assume a piece of equipment costs $50,000, the customer does 20 jobs a month, each job pays $500, and the lease payment is $1,000. Show the customer that the cost of the equipment would only be $50 a job (lease payment of $1,000 divided by 20 jobs per month) and that it would only take two jobs a month to pay for the equipment.

Getting a credit application completed increases the customer’s level of commitment to the sales process.

Partnership Program

Learn more about a vendor partnership with United Leasing & Finance!