call now 1st Commercial Credit
1 (800) 876 6071
Equipment Finance And Leases Company
Equipment Finance Programs
Over 3,600+ clients funded
We make equipment financing a simple process
Reliable consistent funding
Easy application process
Same day funding
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Fast Equipment Financing Approvals For Sellers And Buyers

Financing Equipment From $15,000 to $15,000,000
Consistent & Fast Funding
Wide Credit Score Range
Easy Application Process

Approve Clients Same Day

1st Commercial Credit is a leading equipment finance company that works with vendors by providing flexible approvals and same day funding. We can customize equipment financing solutions based on your client’s needs and help you increase your sales with same day approvals and wide credit score window.


Fast Approvals For Your Equipment

1st Commercial Credit offers a wide range of equipment finance solutions. Fast approvals, same day funding and reasonable rates on low credit scores makes our customers come back. Equipment financing opportunities from $10,000 to $15,000,000 allows many applicants to fit into our financing parameters.


Equipment Finance Calculator

Type the amount to be financed here (Amount: $10,000 - $15,000,000)



What's your estimated credit rating?


Score 740

& above

Score 740 & above



670 - 739

Score 670 - 739



580 - 669

Score 580 - 669



550 - 580

Score 550 - 580

That's all the information we need!

Select a term option below to apply.

2 years

3 years

4 years

5 years

6 years

7 years

All applicants’ and their principals’ and all guarantors’ credit will be reviewed before 1st Commercial Credit offers a financing contract. The payment amounts provided by this Digital Calculator are not an offer and may be changed after the full credit review.

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We're excited to work with you!

Let's get started on your application.


Finance amount

Loan Term

Monthly payment

All applicants’ and their principals’ and all guarantors’ credit will be reviewed before 1st Commercial Credit offers a financing contract. The payment amounts provided by this Digital Calculator are not an offer and may be changed after the full credit review.

Here's what you can expect:

This application takes about 3-5 minutes to complete

Share your business information so we can do a credit check

Our credit check is a soft pull which means it won’t affect your credit rating

Upon completion, a 1st Commercial Credit representative will contact you with available options

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Equipment Finance Agreements (EFA's) are a great method to finance your equipment purchases and provide you the tools you need. Many of the benefits of leasing may be obtained through EFAs, without the need for end-of-lease options. The equipment is utilized as collateral, and a UCC is filed to protect the lender's assets.

An Equipment Finance Agreement is like putting a loan, a security agreement, and a promissory note all together into a single document. An EFA is similar to a loan because it creates ownership of the equipment: you get the financing immediately, purchase the equipment, and then pay back the financing over time. Additionally, it shows up on your business' balance sheet as an asset. An EFA contains unique features that make it one of the most used and versatile equipment financing alternatives.

Why Choose Us For Your Equipment Finance Solutions?
20+ Years In business & Over 3,600+ Clients Funded
Same Day Funding.
Reliable Consistent Funding.
New Start-Up Business Program
Accepting A, B, C and D credit scores
Easy Application Process.
Electronic Documents

At 1st Commercial Credit, we can provide an in-depth overview of the equipment financing we offer. We will explain how it works, how it's different from equipment leasing, its advantages, and how to obtain one with us. The application process is simple, quick and we accept A, B, C, and D credit scores.

Our specialized team of experts delivers comprehensive financial solutions for all types of equipment financing and leasing needs. Our experience allows us to structure financing options and plans tailored to your company’s unique situation, requirements, equipment type, and objectives. Being competitive in today’s business world requires investments in different equipment and technological advances. Equipment financing allows companies to reduce upfront cash outflow and retain valuable cash reserves for other expenses. 1st Commercial Credit can evaluate your equipment needs and provide an array of financing options so you can continue growing and developing a thriving business.

1st Commercial Credit's financing programs for vendors involve the following steps:

In Minutes


Credit Decision
In Hours


Electronic Documents


Another Deal

Call Now 1 (800) 876 6071Pre-qualify nowvendor set up
Why Choose us

Reasonable Equipment Financing Rates

Are you looking for business equipment to improve business growth and have the capacity to take more and bigger orders?
1st Commercial Credit, one of the nation's leading asset-based lending companies, is ready to offer you fast and flexible equipment financing or leasing options.
Are you looking for reliable, durable, top-quality equipment?
It can be challenging when business owners try to keep it within their budget. Some struggle with buying the expensive equipment they need that is outside the budget. Others think purchasing the equipment that fits within their budget is better, even if it is not precisely what is required.
1st Commercial Credit understands that having the right equipment is a crucial part of owning a business.

This is why we offer two options for business owners looking for equipment options: equipment financing and equipment leasing. The equipment programs we offer give business owners the flexibility to select whether they want to own the equipment or just "rent" it.

Equipment leasing is for those preferring to lease/rent it and return it at the end of the term. This specific service is different from a loan because business owners do not own the equipment until the lease is completed and opt to buy it.  

Business owners often struggle when trying to obtain the equipment needed without putting their cash flow at stake. 1st Commercial Credit's equipment financing products and services are customized to fulfill your unique business goals and needs. We also work with owners to create payment options that work for your specific situation. The cost of new equipment can be very expensive and goes beyond the labeled price when adding the shipping, taxes, and other expenses. If your business would benefit from these strategic advantages of equipment financing solutions, 1st Commercial Credit can help.

Equipment Expertize

When you collaborate with our team, you will be assigned an equipment finance expert who is also knowledgeable about your sector. Our everyday expertize of the devices you use makes borrowing more convenient for you. Our system will ensure that your information is assessed by a person rather by a machine, guaranteeing that each borrower receives the attention they deserve.

our Products

Your Business Financing Solutions

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Equipment Leasing Agreements

Equipment leasing is a financing agreement under which 1st Commercial Credit gets the equipment for your company and rents it to you with the option of buying it at the end of the rental term. This specific service is different from a loan because business owners do not own the equipment until the lease is completed.

Equipment Finance Agreements EFA icon
Equipment Finance Agreements - EFA’S

Equipment loans or financing are great ways to finance a company’s equipment purchases. These loans can bring many benefits similar to leasing, but the great thing is that you own the equipment at all times and are just paying it off each month. The equipment will also serve as the collateral used for the loan.

We Offer Additional Equipment Financing Programs
20+ Years In business & Over 3,600+ Clients Funded
New Business Program for start-ups
$40,000 - $75,000
700 Credit Score on up Required
90 Day Deferred Program
Eligible Equipment Only
Available for Upper Tier Credit Only
6 Month Deferred / Step Program
$35,000 to $150,000
Available for Upper Tier Credit Only
72 Month Financing Program
Available for Hard Collateral Under 5 Years Old
Available for Upper Tier Credit Only
Call Now 1 (800) 876 6071Pre-qualify nowvendor set up
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Looking For Business Equipment To Improve Business Growth?

1st Commercial Credit is aware of how challenging it can be for businesses in specific industries to have the cash flow required to obtain much-needed equipment. This is why we facilitate business equipment leasing and financing programs for different industries, including: 

  1. Manufacturing
  2. Transportation
  3. Demolition
  4. Construction
  5. Vocational
  6. Logging/Forestry 
  7. Recycling
  8. Refuse
  9. Industrial
  10. Machine tools
  11. Commercial printing
  12. Packaging

And many more...

equipment leasing company

Our application process is fast and straightforward, and it only takes a few minutes to apply. If approved, you may structure an equipment loan or lease with potential tax advantages. Our financing services are customized to match your unique business goals and needs. We’ll work with your specific situation to create payment options that work for your business. 1st Commercial Credit strives to ensure that significant cash outlays and depletion of bank credit lines are avoided with our business financing. Equipment financing will open the possibilities for companies to access funds for business equipment, technology products, and much more.


How To Take Advantage Of The Section 179 Deduction?

Small and medium-sized businesses looking to update their old or obsolete equipment can now do so while taking advantage of a deduction called “Section 179 Deduction.” Section 179 of the tax code allows companies to deduct the total cost of qualifying equipment and software financed or purchased during the current tax year. This means that if you buy or lease any qualifying equipment, you can deduct the total amount from your gross income. This deduction is an incentive created to encourage businesses to purchase equipment and invest in their facility and technology. This tax incentive makes it the perfect opportunity to update or acquire the equipment your business needs. If you would like your business to take advantage of this incentive and boost, contact 1st Commercial Credit for assistance.

We can help you take advantage of technology to grow your business today!


Section 179 Savings Calculator

See how much money you may save by taking advantage of the Section 179 Tax Deduction.


Select Tax Rate
Slide to Select Equipment Cost $ Amount
$10k $2.5M
Section 179 Deduction

Up to $1M

Cost of Equipment

After Tax Savings

Cash Savings

At 10% tax bracket


This calculator is intended to provide a potential tax scenario that may not apply to your business. Consult your tax professional to determine tax implications and benefits for your business.

1st Commercial Credit Provides Asset Based Lending, Purchase Order Financing and Factoring to all States: