Turn the price into a monthly payment
Most working equipment pays for itself by the month — so it can make sense to pay for it by the month too. Financing is available on most orders of $2,000 or more, through equipment-financing partners who work with contractors, farms, and new LLCs every day. Applications typically take about 10 minutes, with decisions in 24–48 hours.
Here's the framing that matters: a 72-inch root grapple at our factory-direct price of about $2,450 works out to roughly $214/month on typical 5-year equipment-loan terms. The same class of grapple at a $5,800 dealer price is roughly double that, every month, for the same five years. Financing the cheaper path is how the savings show up in your monthly cash flow, not just the sticker.
Every figure above is an estimate for illustration. Your actual rate, term, and payment come from the lender and depend on your credit and business profile. We don't know your terms until you apply, and we won't pretend to.
Payment estimator
[Calculator installs here with the theme: loan amount (pre-filled from the product page you came from), term slider 24–72 months, indicative rate range, estimated monthly payment. Clearly labeled as an estimate — actual terms from the lender. TODO: theme section + rate-range config from Commerce.]
Financing partners
[TODO: partner cards go here once financing partners are signed — partner name, what they're best for (new LLC friendly, app-only up to $X, lease options), and an application link. Each link is a referral link, disclosed below. Do not publish this page's partner section until Commerce confirms partners and legal reviews the disclosure language.]
Straight answers
- Does financing work on factory-direct orders? Yes — the lender funds the purchase, we get paid like any sale, your gear follows the normal factory-direct process and lead time. The final-sale policy on factory-direct items applies the same whether you pay cash or finance.
- What about group-buy deposits? [TODO — answer pending Commerce Director's confirmation of how lenders treat deposit-then-balance purchases.]
- New LLC, thin credit? Equipment lenders see this constantly; many programs are built for exactly that, sometimes with a personal guarantee. The partner's application will tell you in minutes — we can't and won't guess approval odds.
- Lease vs. loan? Loans build equity in the machine; leases can keep payments lower and may treat differently at tax time. Which is right depends on your books — ask your tax professional, not an equipment store.
- Does checking cost me anything? Most partners offer a soft-pull prequalification that doesn't affect your credit score. The partner's own application page will state this explicitly before you commit to anything.
The disclosure, in plain English
We are a referrer, not a lender, a broker, or a financial advisor. We do not make credit decisions, set rates, or handle your application — the financing partner does all of that, under their own terms and their own regulatory obligations. If you're approved and funded through a partner link on this site, the partner may pay us a referral commission. That commission does not change your rate or terms, and we tell you it exists because we tell you how we make money on everything else, too. Nothing on this page is financial advice; whether financing makes sense for your operation is your call and your accountant's.
[TODO: final disclosure language subject to compliance/legal review before this page goes live.]
Browse equipment — products over $2,000 show an estimated monthly payment right in the buy box, linked back to this page.