🏢 Business Financing Only — ElmBlue finances commercial and business-use equipment exclusively. This program is not available for personal, hobby, or consumer use.
What We Finance
All Kleis Equipment Categories Qualify
🚜
Construction Equipment
Excavators, dozers, wheel loaders, skid steers, compact track loaders, and attachments for commercial jobsites.
New & Used
🌾
Agricultural Equipment
Tractors, tillage equipment, hay tools, and farm machinery for working commercial operations.
New & Used
🌲
Forestry Equipment
Forwarders, harvesters, feller bunchers, and specialized harvesting machinery for logging operations.
New & Used
🪚
Tree & Landscape
Chippers, stump grinders, log splitters, and professional arborist equipment for commercial tree care.
New & Used
♻️
Forestry & Recycling
Grinders, tub grinders, shredders, and material processing equipment for recycling and land clearing.
New & Used
🔩
Attachments & Rental Fleet
Buckets, grapples, augers, and specialty attachments. Rental fleet financing also available for qualifying operators.
When Bundled
Why Finance?
Keep Cash in Your Operation, Not Tied Up in Iron
💰
Preserve Working Capital
Keep cash available for labor, fuel, parts, and unexpected costs. Finance the equipment — protect the business.
⚡
Fast, Same-Day Approvals
Most qualified applicants get a decision the same business day. Equipment moves fast — so do we.
📋
Section 179 Tax Advantage
Deduct up to 100% of qualifying equipment cost in year one. Your machine may pay for itself at tax time.
📆
Terms Built for Seasonality
24 to 72-month options structured around your cash flow, project schedules, and seasonal revenue patterns.
How It Works
Three Steps to Your New Machine
1
Apply Online
Complete your financing application at kleis.elmblue.com in 2–3 minutes.
2
Get Approved
Receive a same-day credit decision with clear terms and no surprises.
3
Get to Work
Coordinate delivery with Kleis and put your equipment to work earning revenue immediately.
"My company had been using another lender for over 15 years when I needed to purchase new equipment. The rates were ridiculous — the down money, the fees, just awful. I was referred to ElmBlue. What a great experience. The deal was done in 24 hours, rates were more than fair, no huge down payment. I will be reaching out to ElmBlue from now on."
Verified Google Review · Equipment Buyer
★★★★★
"I shopped around quite a bit, and ElmBlue truly offered the best rate in the market. The process was incredibly easy and fast. So far they've helped me finance two machines that are already making a big impact on my company's growth. I highly recommend them if you're looking for a smooth and reliable financing experience."
Verified Google Review · Equipment Buyer, 2 Machines Financed
★★★★★
"We received many loan offers that made no sense for our business, even though we have a strong business history and solid credit. ElmBlue was able to help us find some of the best deals available — options that no one else had even presented to us."
Verified Google Review · Business Equipment Buyer
★★★★★
"With unique asset equipment and machinery purchases that are challenging to finance with traditional banks at good rates, it's great to have a company that understands my unique business needs and can deliver an easy way to finance those assets while meeting my target monthly payments."
Verified Google Review · Specialty Equipment Buyer
Frequently Asked Questions
Common Questions
We finance all Kleis equipment categories — construction, agricultural, forestry, tree and landscape, and forestry/recycling equipment. Both new and used equipment may qualify, provided it's work-ready and properly documented. Financing is for business use only.
No. ElmBlue Equipment Finance provides business financing only. Equipment must be used primarily for commercial or revenue-generating operations. Hobby farms, personal property use, and consumer purchases are not eligible.
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.
Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment placed in service during the tax year, rather than depreciating it over time. Construction, forestry, and agricultural equipment typically qualifies. Consult your tax professional for your specific situation.
We work with newer businesses regularly. For operations under 2 years old, we typically require a 700+ personal credit score and at least 3 credit tradelines. Relevant industry experience and a clear plan for how the equipment will generate revenue can strengthen your application.
Do You Qualify?
Built for Working Businesses
Established Business
Strong Approval Profile
2+ years in business
640+ FICO credit score
3+ comparable tradelines
Active commercial operation
Newer or Growing Business
Under 2 Years in Operation
700+ personal credit score
3+ credit tradelines
Active business entity
Business bank account
Equipment Requirements
What Must Qualify
$10,000 minimum financed amount
Business use required
New or used (work-ready)
Purchased through Kleis Equipment
Business Types We Serve
Commercial Operations
Contractors & excavators
Commercial farmers & loggers
Tree care & landscaping companies
Recycling & land clearing operators
Not sure if you qualify? Start your application — there's no obligation and no impact to your credit to inquire.
Ready to Finance Your Kleis Equipment?
Same-day decisions. Flexible terms. Business financing only — minimum $10,000.
ElmBlue Equipment Finance