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Options to fit your shop's needs

Financing Options

MFR offers a variety of finance options to meet the unique needs of your business. 

Our financing specialists understand the industry and can customize a solution that meets your specific needs.


Equipment loans are notes and security agreements through which MFR finances your purchase of equipment on a fixed rate basis. You are entitled to the depreciation and interest write-off.

Capital Lease (Lease to Own)

When you choose a capital lease, your equipment can be purchased for a pre-arranged price at the end of the lease term. You can arrange your lease with a $1.00, $101.00 or a 10% purchase obligation. Under this structure, you keep the depreciation benefits associated with ownership.

Equipment Finance Agreement (EFA)

This finance option bridges the gap between a lease and loan. You are considered the owner of the equipment upfront. The agreement is a fully amortized fixed rate business loan. You are entitled to depreciation benefits associated with ownership.

Operating/Tax Lease

Your operating/tax lease purchase options can be structured as either fair market value (FMV), capped, or early buyout option (EBO). Under a tax lease, MFR retains the depreciation and you receive the benefit of lower lease payments.

Three Things to Do Before Applying for Credit

If you are thinking of financing new or used capital equipment, such as CNC machine tools, within the next few months, check your business credit rating now to avoid last-minute surprises. 

Frequently Asked Questions

Common questions you may have when considering financing manufacturing equipment needed in your shop

How to Benefit from Section 179 Tax Incentives

For 2024, Section 179 Deduction is $1,220,000, which is a big advantage to those investing in machinery, even if the equipment is leased ($1 buyout required).

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