Equipment Financing

Finance the equipment.
Fuel the growth.

From heavy machinery to technology infrastructure, W. Reynolds Commercial Capital delivers equipment financing solutions up to $100M across virtually every industry. Fast approvals. Flexible structures. One call.

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$100M

Max Transaction Size

$350K

App-Only (No Financials)

20+

Industries Served

A–D

All Credit Profiles

Industries we finance

Whatever your industry, if it needs equipment to run, we can finance it. Here's a sample of the sectors we serve daily.

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Construction

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Transportation & Trucking

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Healthcare & Medical

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Manufacturing

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Oil & Gas

๐ŸŒพ

Agriculture

โšก

Energy & Utilities

๐Ÿ’ป

Technology & IT

๐Ÿฝ๏ธ

Restaurant & Food Service

๐Ÿจ

Hospitality

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Aviation

๐Ÿ–จ๏ธ

Printing & Graphics

โ™ป๏ธ

Waste & Recycling

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Mining

๐Ÿšข

Marine & Shipping

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Fitness & Recreation

๐ŸŒฒ

Forestry & Logging

๐Ÿ“ก

Telecom

๐Ÿงช

Laboratories

๐Ÿ“ฆ

Warehousing & Logistics

Financing structures that fit

Not every deal is the same. We offer multiple structures to match your situation, cash flow, and objectives.

01

Equipment Finance Agreement (EFA)

You own the equipment from day one. Fixed payments, clear terms, and the asset sits on your balance sheet. Best for equipment you'll keep long-term.

02

$1 Buyout Lease

Structured as a lease, but you own it at the end for $1. Get the tax advantages of a lease with the certainty of ownership. Popular for essential equipment.

03

Fair Market Value (FMV) Lease

Lower monthly payments with the option to buy, return, or upgrade at lease end. Ideal for technology and equipment that depreciates or evolves quickly.

04

Sale-Leaseback

Unlock capital trapped in equipment you already own. We purchase your existing equipment and lease it back, giving you immediate working capital.

05

Municipal & Government Leasing

Tax-exempt financing structures designed for municipalities, government agencies, and non-profit organizations with specialized compliance needs.

06

Startup & Challenged Credit

New business or credit challenges? We work with A through D credit profiles. Higher rates, but access to equipment that banks won't finance.

Up to $350K — Application Only

No tax returns. No financial statements. Just a one-page application and a decision, fast. For transactions up to $350,000, we streamline the process so you can get to work.

Larger transactions up to $100M are fully supported with our complete underwriting process.

How it works

Simple process. Fast decisions. We move at the speed of your business.

1

Tell us what you need

Equipment type, amount, and timeline. One call or email is all it takes to get started.

2

Get your options

We match your deal to the right structure and lender. You'll see terms within 24–48 hours for most transactions.

3

Fund & deploy

Sign the docs, receive funding, and put your equipment to work. We handle the paperwork so you handle the business.

Ready to finance your next move?

Whether it's a single truck or a $50M fleet, W. Reynolds Commercial Capital has the relationships and structures to get your deal done.

Get Started Today