Equipment Financing
Resources
Use our payment calculator to estimate your monthly payments, or browse our guides to understand equipment financing options.
Equipment Payment Calculator
Estimate monthly payments based on equipment cost, term, and rate. Actual terms may vary.
Understanding Equipment Financing
Loan vs. Lease: Which Is Right for You?
Equipment loans result in ownership. Leases offer flexibility and potential tax advantages. The right choice depends on your use case, cash flow, and tax position. We'll help you decide.
How Fast Can You Really Fund?
Most VCG transactions go from application to funded in 2–5 business days. Straightforward deals with complete documentation can fund in 24 hours. Here's what affects timing.
What We Look at in Underwriting
We evaluate business fundamentals, equipment value, cash flow patterns, and your industry. Credit score matters, but it's not the whole story. Here's what we actually review.
Section 179 and Equipment Financing
Section 179 allows businesses to deduct the full cost of qualifying equipment in the year it's placed in service — even when financed. This can create significant tax advantages.
Financing New vs. Used Equipment
We finance both new and used equipment. Used equipment can offer significant value, but lenders evaluate age, condition, and market value differently. Here's what you need to know.
The Vendor Partner Program
Equipment vendors who offer financing options close more deals. Learn how partnering with VCG can increase your conversion rate without adding complexity to your sales process.
Questions? We Have Answers.
Call us, email us, or fill out the form. A real person will respond the same business day.