Get the equipment. Keep the working capital.
Business equipment financing and leasing, with payments built around your cash flow.
Start your applicationSecure application • No obligation to inquire
Business financing only. ElmBlue finances commercial and business-use equipment exclusively. This program is not available for personal, hobby, or consumer use.
Equipment we finance
Excavators, wheel loaders, skid steers, dump trucks, cranes, paving equipment, and attachments.
Large format printers, robotics, lasers, welders, saws, lathes, and conveying and processing equipment.
Bucket trucks, tow trucks, cargo vans, box trucks, car haulers, and trailers.
Lab and imaging equipment, dental chairs, and physical therapy and chiropractic equipment.
Computers, servers, mobile devices, and software.
Don’t see yours? Our team has background in everything from cement mixers to large format printers.
Choose the structure that fits your business
You own the equipment from day one, just as if you paid cash, with fixed monthly payments through the end of the term.
Take ownership at the end of the lease for a nominal $1. May qualify for tax benefits as a capital expense.
Return, upgrade, continue leasing, or buy the equipment at end of term for its current fair market value.
We may be able to structure deferred, step, seasonal, or balloon payments to match your cash flow.
Three steps to your new equipment
Complete your financing application in 2–3 minutes.
Receive a same-day credit decision with clear terms and no surprises.
Finalize paperwork, coordinate delivery with your vendor, and put your equipment to work earning revenue.
Real businesses. Real results.
“The whole experience was smooth from beginning to end. The flow of communications was excellent and we always knew where we stood, what was needed and how the process was flowing.”
“I also shopped around quite a bit, and they truly offered the best rate in the market… they’ve helped me finance two machines that are already making a big impact on my company’s growth.”
“ElmBlue was able to obtain my financing and deliver funds in record time. Will definitely be using them again. 10/10”
“The process was fast and easy and our equipment was on the way in no time.”
Common questions
ElmBlue finances commercial equipment across construction and heavy machinery, manufacturing and printing, transportation and trucking, medical and dental, and technology and software. Our team has background in everything from cement mixers to large format printers. Financing is for business use only.
It depends on whether you want to keep the equipment. With an Equipment Finance Agreement you own it from day one, and we hold a security interest until it is paid off. With a lease, we own the equipment during the term, and at the end you can buy it for $1 or, with a fair market value lease, return, upgrade, or buy it. We will help you choose.
We look for at least one year in business, a FICO® score of 640 or more, $100K or more in annual revenue, and an immediate need for the equipment, within three months of purchase.
The minimum financed amount is $10,000. Attachments and accessories may be bundled with a primary equipment purchase to meet the threshold.
Most applicants receive a credit decision the same business day. When additional documentation is needed, reviews typically take a few hours. More complex applications are usually resolved within one business day.
Terms range from 24 to 72 months. Rates vary based on your credit profile, time in business, and equipment type. Your actual rate is determined at approval — there’s no obligation to inquire. Deferred, step, seasonal, or balloon payment structures may be available.
Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment, whether financed or leased, in the year it is placed in service, up to annual limits. Consult your tax professional for your specific situation.
Built for working businesses
Not sure if you qualify? Start your application — there’s no obligation to inquire.
Cody can walk you through terms, timing, and eligibility before you apply.
Email CodyReady to finance your equipment?
Same-day decisions. Flexible terms. Business financing only — minimum $10,000.
Start your application