Flexible equipment finance and leasing.

When it comes to financing your capital needs, it's essential to prioritize experience, reliability, and value to ensure the most effective and beneficial solutions for your company. Our comprehensive approach ensures that every aspect of your financial requirements are met with precision and care, fostering your business's growth and stability.

We are here to help.

APL Solutions

Learn how our consultative service can benefit your company where equipment leasing can enhance your business's tax position and keep you up-to-date with the latest innovations, avoiding the burden of aging and obsolete equipment and technology.

syndications

Syndications is a specialized unit within the Equipment Finance Division that supports independent leasing companies by offering customized banking solutions that we have developed from years of indirect/third party lease transactions.

lease vs buy

APL can help you decide. When acquiring new equipment, it may not make sense to use large amounts of cash that could be invested elsewhere. We provide a comprehensive lease vs. buy analysis, comparing the costs and benefits of each option for you..

Is Leasing Right For You?

Reduce the burden

Leasing and financing provide strategic opportunities for your business to grow, allowing you to acquire essential equipment and resources without the burden of upfront costs, thereby enhancing your operational capabilities and fostering long-term success.

Tax advantages

Leasing equipment offers significant tax advantages for businesses. Lease payments are generally considered operating expenses and can be fully deducted on your tax return, reducing taxable income. This helps avoid the complexities of managing depreciation and preserves working capital for other investments. 

Why choose us?

Financing Veterans with decades of leasing and financing experience

With many years of experience in the financing industry, we bring a wealth of knowledge and expertise to every client interaction. Our deep understanding of the market allows us to tailor our services to meet your unique financial and leasing requirements effectively.

We pride ourselves on our ability to offer the best options and flexible solutions, ensuring that you have access to financing plans that align perfectly with your business goals. Whether you need equipment leasing, vehicle financing, or any other type of lease arrangement, our dedicated team is here to provide personalized support and guidance throughout the entire process.

Our commitment to excellence means that we continually strive to improve our offerings, staying up-to-date with the latest industry trends and financial products. By choosing us, you are not just opting for a financing provider; you are partnering with a team that genuinely cares about your success and is dedicated to helping you achieve your financial objectives with ease and confidence.

Frank Furfari
CEO
Equipment Finance

Enabling commercial organizations to secure funding to purchase equipment, tools, or fixtures used to meet company’s needs.  This provides immediate capital for expansion or improvements with favorable terms.

IT hardware and software leasing

Allows businesses to access the latest technology without large upfront costs. This keeps companies competitive and manages cash flow effectively. Both Financing/Leasing or As-A-Service/Rental can include maintenance and support to reduce internal IT burdens.

working capital

Provide a working capital loan for a businesses various day to day needs for operations.  We partner with companies to provide these solutions for small and mid-size organizations with many industry types.  This financing tool allows an organization to reach its growth potential.

new business development

Drives growth by identifying new market opportunities and expanding customer bases. It helps companies diversify revenue streams and adapt to changing market conditions, ensuring long-term success.

strategic alliances & partnerships

That help businesses enhance capabilities and market reach. Collaborating with other companies leverages strengths, shares resources, and reduces risks, fostering innovation and growth.

grow your business through

New and Updated Equipment

We offer financing to a varied list of industries

  • Construction
  • Commercial
  • Education
  • Manufacturing
  • Healthcare
  • Professional Services
  • Government and Non-Profit
  • Franchise
  • Restaurant
  • Automotive
  • Fill in the finance application form
  • funding review process starts
  • on successful review funding is guaranteed

Simple process

Start today by sending us your finance application form, we'll contact you and begin the review process, which is quick and simple. After a successful review we'll  work with you through the signing and financing process.

About APL Process

APL is an independent leasing and finance company providing flexible services for transactions $5k - $10MM.  Some of our specialties include: IT hardware and software leasing, asset-backed financing, new business development, and strategic alliances & partnerships applying a consultative selling process.

Frank furfari

CEO

Our values are to build a culture of excellence and manage to the highest performance in servicing customers and partners with uncompromising integrity and loyalty. We strive to foster an environment where every team member is committed to exceeding expectations and delivering unparalleled quality. Our dedication to these principles ensures that we consistently meet the needs of our clients while maintaining trust and transparency in all our interactions.

Faq.

What types of equipment can be financed?

Equipment finance companies typically offer financing for a wide range of equipment across various industries. This includes construction equipment like excavators and bulldozers, medical equipment such as MRI machines and dental chairs, manufacturing machinery like CNC machines, transportation equipment including trucks and trailers, office essentials like computers and printers, and agricultural equipment such as tractors and harvesters. The diversity of equipment that can be financed ensures that businesses in numerous sectors can find suitable financing options.

What are the benefits of financing equipment instead of buying it outright?

Financing equipment provides several advantages, including the preservation of cash flow, as businesses can retain more cash for operational expenses or other investments. It also offers potential tax benefits, such as deductions under Section 179, which allows for the deduction of the full purchase price of qualifying equipment. Financing enables access to the latest technology, improving efficiency and competitiveness, and offers flexible payment terms tailored to the business’s cash flow and budget, making it a financially strategic option.

What credit qualifications are required to finance equipment?

Credit qualifications for equipment financing typically include a good credit score, usually 650 or higher, although options are available for businesses with lower scores. Companies generally prefer to work with businesses that have been operating for at least two years, though startups may need to provide additional collateral or a personal guarantee. Lenders often require recent financial statements, such as balance sheets and income statements, to assess the financial health of the business. For new businesses, a solid business plan demonstrating potential profitability and growth can aid in securing financing.

What are the typical terms and interest rates for equipment financing?

The terms and interest rates for equipment financing can vary widely. Loan terms usually range from 1 to 7 years, depending on the equipment’s expected lifespan and the amount financed. Interest rates typically fall between 4% and 20% or higher, influenced by the borrower’s credit profile, the type of equipment, and the financing term length. Some financing arrangements may require a down payment, generally between 10% and 20% of the equipment cost. Additional fees, such as origination and application fees, may also apply, so it is essential to review the loan agreement carefully to understand all associated costs.