PAY IN 2027
Get the equipment now. Start paying in 2027.
Your vendor is paid up front and the equipment goes to work straight away. The regular payment schedule starts about three months later, in 2027, once the equipment has had time to earn.
HOW IT WORKS
The equipment arrives now. The payments wait.
New equipment rarely pays for itself on day one. There is installation, there is training, there is the stretch before it is running at full capacity — and a first payment landing in the middle of all that is the reason a lot of businesses put off buying at all. Deferring it moves the first payment past that stretch.
01
You get the equipment
New or used, from any vendor you choose. Nothing about the delivery changes because the payments are deferred.
02
Your vendor is paid in full
We pay your supplier when the lease funds. The deferral is between you and us — your vendor is not waiting on anything.
03
Payments start in 2027
The monthly schedule begins after the deferral period, by which point the equipment has had a quarter to start earning.
The 90-day deferral is based on qualified credit and is subject to approval, and a monthly contact fee applies during the deferral period. Ask your ACG account manager what the deferral looks like against your own structure before you decide.
WHO IT SUITS
When deferring is worth it
- 01 Equipment that takes time to ramp. A machine that needs installing, commissioning and a crew trained on it is not earning in week one.
- 02 A season you are buying ahead of. Landscapers, contractors and holiday-trade businesses buy in the quiet quarter and earn in the busy one.
- 03 A build-out with several bills at once. When the equipment is one line among many, moving its payment out a quarter thins the worst month.
- 04 A contract that pays on completion. If the job that needs the equipment settles at the end, the first payment can land nearer the money.
Deferring is not the only way to shape a schedule. Seasonal structures pay more in your strong months and less in the quiet ones, and step-up structures start low and rise as the equipment ramps. Ask about all three — the right one depends on how your year actually runs.
Worth reading first
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Payment calculator
See roughly where the monthly payment lands once the deferral is over.
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Section 179 tax savings
Equipment placed in service this year can be deducted this year, whether or not you have started paying for it.
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Leasing FAQ
Terms, end-of-lease options, credit, and what we need from you.
“Very good about working with us to structure the deal in the most advantageous way possible and made sure to follow up at crucial points to keep us on track.”
Three steps to your equipment
01
Fill out an application
Complete our simple, one-page application. No mountain of paperwork.
02
Receive a custom plan
We contact you, typically within 24 hours, with a lease structure tailored to your needs. Say you want the deferral and it is priced in from the start.
03
Get your equipment
We purchase your new or used equipment from any vendor you wish.
Deferring is a structure, not a separate application. It runs off the same one page as everything else — including start-up financing and no financials required.
FREE QUOTE
Ask what deferring would look like
Tell us what equipment you need and roughly what it costs. An ACG specialist follows up, typically within 24 hours, and can show you the schedule with the deferral and without it.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 271-5800
Keep reading
What we finance
Medical, construction, kitchens, machine shops, IT — and the rest.
Section 179
Deduct equipment you put in service this year, on this year's return.
Estimate a payment
Enter an equipment cost and see roughly where the monthly payment lands.
Our customers
Businesses we have funded, in their own words.
Working to a date? How long financing takes sets out the order of events from application to delivery, and where the days actually go.
Ready when you are. Paying, in 2027.
31 years financing equipment for small business. Apply, or call and talk the structure through first.