Products

Equipment Financing

When it comes to running your business, it’s important you get the equipment you need, and fast. Our financing options to ensure you are well positioned to keep up with today’s rapidly changing market. We offer creative programs with flexible payment options covering a wide range of credit scores so you can focus on what you do best — running your small business.

Features
Loan Amount
$10,000–250,000
Loan Terms
36-84 months
Time to Fund
24-48 hours

Find the right financing amount for your business.

Use our calculator tools to model the right loan and payment options for your business.

Get a quote

Products

Flexible financing for your business needs

Being Big on Small means we know flexibility is key to making the most of your payments so you can have the financing that make sense for you.
Operating Lease
Operating leases are off balance sheet allowing you to expense 100% of the monthly lease payments rather than taking depreciation. The leasing company retains ownership of the equipment and at the end of the term, you have the option to purchase the equipment for the fair market value, return the equipment or continue to rent it. If your intention is not to own the equipment and upgrade at the end of the lease term, an operating lease is a great option for you.
Finance Lease
Finance leases, often referred to as Capital leases, do not fit operating lease guidelines and are an alternative finance vehicle. With a finance lease, the leasing company retains ownership of the equipment and at the end of the lease term, you have the option to purchase the equipment for $1.00 or some other pre-agreed upon fixed price. You cannot expense the monthly payments with a finance lease as you can with an operating lease, but you can take advantage of all of the benefits of ownership including depreciation allowances and Section 179 Tax Deduction.
Equipment Finance Agreements
Equipment Finance Agreements (EFA’s) are straight finance programs where the customer retains title to the equipment and the finance company has a security interest in the equipment. Since you have title to the equipment, there is no purchase option at the end as in a lease product. With EFA’s you can take advantage of all benefits of ownership including depreciation allowances including Section 179. EFA’s are an alternative to bank financing and are preferred over bank financing due to their ease of approval, flexibility in structure, and minimal down payments.
Flexible Structures

Reap the financial benefits

Whether you choose one of our lease products or a finance product, we can offer many flexible and aggressive structures including:
Step Payment Plan
Designed to allow you some cash flow relief at the beginning of your term by offering lower payments that step up over time.
Deferred Payment Plan
This structure allows you to pay for the equipment once it begins to generate revenue.
Seasonal Payment Plans
A good solution for seasonal companies offering them lower contract payments during the off season and higher payments during the peak or busy season.
Balloon Payment Plan
Lowering your monthly payments during the finance term thus allowing you to acquire more expensive equipment than you could under a level payment plan.
How it works

Our quick and convenient financing process

Create the right plan for your business
Create the right plan for your business
Select the term and payment options that work best for your business.
Fill out our short application
Fill out our short application
Tell us about you and your business so we can get you the right financing. The application process will take 5-10 minutes.
Receive quick decisioning from our team
Receive quick decisioning from our team
You will receive a quick decision from our team letting you know the status of your application. We strive for a same day credit decisioning process.
Sign in to manage your account and pay bills
Sign in to manage your account and pay bills
When you have received your funding and equipment sign up for online access to pay bills, have questions answered and more!

Need help making a plan?

Use our calculator tools to model the right loan and repayment options for your business.
Ready to get started?

Ready to get started?

Getting started is easy with Amur. We are dedicated to ensuring your success – start your journey by using our Get A Quote tool to see how we can work together to help finance your equipment needs.

Common questions

  • What factors are used to determine credit worthiness?
    The length of time in business, bank and financing references, business and credit bureau ratings are all used in the decision-making process. In order to offer the best products to our customers and offer processing efficiency, Amur utilizes third-party databases to acquire sufficient credit information during the application process.
  • What terms are available?

    36-84 month terms, other options may be available

  • Can I include soft costs and services?

    Yes you can.

  • Can I make payments online?

    Yes, you can access your current invoice, make payments, and print duplicates by clicking here https://ww2.e-billexpress.com/ebpp/AmurEF/. Make sure to have your customer number and valid email address to log in. 

  • What is a pro-rated payment charge?

    The pro-rated charge covers the interim period between the commencement date and the first due date of your regular billing cycle. The amount of the pro-rated charge is calculated as 1/30th of the regular scheduled payment amount, multiplied by the number of days in the interim period. Any advanced payments you might have paid will be applied to cover the regular scheduled payments and not the pro-rated charge. 

More Questions

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