Equipment Financing & Leasing
Smart Financing for Laser & Industrial Equipment
Get the machines you need now and pay for them over time. We work with trusted lenders like CIT Bank, Clicklease, Canon Financial, and NewCap to help you finance laser machines, press brakes, CNC systems, and more.
Flexible terms, fast approvals, and programs for both startups and established manufacturers.
One application. Multiple financing options.
Our team will help match your business with the most suitable financing partner based on your industry, time in business, and budget. Choose from true bank loans, lease-to-own, and equipment leasing structures.
12–72 Month terms available
$5K–$200K+ Typical equipment price range
Startup Programs available*
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Use the calculator to estimate your monthly payment and send the results directly with your financing request.
Why finance your equipment with UmproTech?
Preserve cash flow, keep your working capital available for operations, and spread the cost of equipment over its productive life.
Cash Flow
Keep cash in your business
Turn large equipment purchases into predictable monthly payments instead of a single large expense.
Flexibility
Terms that fit your budget
Select from 12–72 month terms with options tailored to your production schedule and seasonality.
Speed
Fast approvals
In many cases, approvals can be issued in hours, not weeks, so you can move forward with your machine order quickly.
Growth
Upgrade without delays
Add capacity, expand your capabilities, or replace aging equipment without waiting for full cash reserves.
Did you know? According to the U.S. Department of Commerce, roughly 80% of American companies lease all or part of their equipment rather than paying 100% upfront.
How the financing process works
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1
Choose your equipment
Work with our team to configure the laser, press brake, CNC machine, or other equipment that fits your application and budget.
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2
Estimate your payment
Use the Machine Financing Calculator below to preview your monthly payment based on price, down payment, term, and rate.
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3
Apply with a lending partner
Submit a simple, secure application through our trusted partners such as CIT Bank, Clicklease, Canon Financial Services, or NewCap Leasing (Canada).
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4
Get approved & schedule delivery
Upon approval, your lender funds the purchase and we coordinate installation, training, and support for your new equipment.
Financing & Leasing Programs
Compare different programs and choose the structure that works best for your company. Actual terms and approvals are subject to lender review.
🏛️ CIT Bank
A division of First Citizens Bank, offering competitive bank rates and fixed-payment financing for qualified businesses.
Ideal for established companies looking for predictable payments and flexible structures tailored to manufacturing equipment.
- Typical terms from 12 to 72 months
- Programs available for businesses with 2+ years in operation
- FICO 620+ generally preferred; startups considered on a case-by-case basis
Looking for traditional bank-style financing with strong support and competitive rates? CIT is often the first option we explore.
⚡ Clicklease
Fast, flexible approvals with no hard credit pull and lease-purchase options.
Designed for small businesses and startups that need to move quickly and may not fit traditional lending criteria.
- No hard credit check to see offers
- Approvals for credit scores as low as 500
- Lease-purchase structure so you own the equipment at the end of the term
🍁 NewCap Leasing (Canada)
Flexible leasing solutions for Canadian businesses purchasing new or used equipment.
Serving businesses across Canada with competitive rates and structures designed specifically for capital equipment and manufacturing tools.
- Financing available for both new and pre-owned machines
- Solutions for small businesses and larger enterprises
- Canadian-based support team and quick application process
🏦 Canon Financial Services
Streamlined financing experience built for fast approvals and simple documentation.
Canon Financial Services offers a range of solutions designed for industrial and manufacturing equipment, including tailored programs for production environments.
- Simple online application and approval process
- Payment structures designed around equipment lifecycle
- Well-suited for technology-heavy and precision equipment
📈 Equipment Leasing & Financing
Smart, effective ways to build your production capacity without tying up working capital.
We help you compare leasing and financing structures so you can decide whether a loan, lease-to-own, or pure lease makes the most sense for your tax and cash position.
Many manufacturers choose to lease equipment and then exercise a buyout option at the end of the term, combining cash flow efficiency with ownership.
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Take advantage of potential tax benefits (Section 179)
Section 179 of the U.S. Tax Code may allow businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year, up to the IRS annual limit.
This information is for general reference only and is not tax advice. Please consult with your accountant or tax advisor to understand how Section 179 or other incentives apply to your situation.
Estimated Monthly Payment
$852
Based on the inputs above (principal after down payment)
$6,672
Total Interest Paid
$36,672
Total Paid (Down + Monthly)
Financing FAQs
Every business is unique. Here are answers to some of the most common questions we receive about financing and leasing equipment through our partners.
- Minimum credit and time-in-business requirements vary by lender.
- Startups may qualify under certain programs with additional documentation.
- International and Canadian customers have dedicated options via partners like NewCap.
What credit score do I need to qualify? ➕
Traditional programs such as CIT Bank generally look for FICO scores of 620+, while alternative programs like Clicklease may consider scores as low as 500. Approval is always based on a full review of your application, not just a single number.
Can a startup or new business get financing? ➕
Yes, many programs support newer businesses, especially when there is industry experience, a strong personal credit profile, or a meaningful down payment. Let our team know you are a startup so we can point you toward the most realistic options.
Is the calculator showing my exact payment? ➕
The calculator is a planning tool only and uses general assumptions. Actual rates, terms, and payments will be determined by the lender after reviewing your full application and credit profile.
Can I pay off my equipment early? ➕
Early payoff options depend on the lender and specific program. Some contracts allow early payoff with reduced interest, while others may have fixed-payment schedules. We will help you understand the details before you sign.
Have questions about financing? Speak with our team for guidance on rates, terms, and the best structure for your business.
💰 Get a Financing Quote
