Equipment financing.
Funded, not shopped around.
Vehicles, machinery, technology, medical, and construction equipment — new or used — financed from $1K to $20M with one dedicated specialist who understands veteran income structures alongside your business financials.
Equipment financing covers vehicles, machinery, technology, medical, and construction equipment — new or used, from one thousand dollars up to twenty million. Send us your vendor's quote, we review your business financials, and same-day approval is available on straightforward files. At closing, funds go directly to your vendor.
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Funded, not shopped around
One relationship, start to funded.
Vehicles, machinery, technology, medical, and construction equipment — new or used — financed from $1K to $20M with one dedicated specialist who understands veteran income structures alongside your business financials.
What we finance
Equipment for every trade
Five real categories, one relationship. Not sure which bucket fits? Your specialist figures it out with you.
Vehicles
Trucks, vans, and fleet vehicles for daily operations.
Machinery
Manufacturing, industrial, and production equipment.
Technology
IT infrastructure, POS systems, and specialized software hardware.
Medical equipment
Diagnostic, treatment, and practice equipment for healthcare businesses.
Construction equipment
Heavy equipment, tools, and jobsite machinery.
The tax angle
Section 179 is real, and it's yours to use
Section 179 of the federal tax code lets many businesses deduct the full cost of qualifying equipment — new or used — in the year it's placed in service, rather than depreciating it over several years. It generally applies whether you pay cash or finance the purchase, and it isn't a VAB program or benefit — it's federal tax law that exists independent of who you finance through.
Deduction limits, phase-out thresholds, and what specifically qualifies are set by the IRS, change by tax year, and depend on your business's own filing — none of that is something we'll guess at here. Your CPA or tax advisor is the one who can tell you what it means for your return.
How the mechanism works, generally
- Deduct now, not over years — the eligible cost is written off in the tax year the equipment goes into service, not spread across a depreciation schedule.
- New or used both qualify — the provision doesn't require the equipment to be new.
- Financed equipment counts too — you don't have to pay cash outright to use it.
- Equipment has to actually be placed in service by year-end to count for that tax year.
- It isn't automatic — your tax advisor confirms whether and how much applies to your business.
Why VAB
The Veteran Alliance difference
Your file isn't shopped to a broker network. One point of contact, from quote to funding.
How it works
Quote to funded
Quote to funding, with one specialist the whole way through.
A vendor quote, proforma invoice, or purchase order — plus year, condition, and hours/mileage if the equipment is used.
2 years of business tax returns, 3 months of business bank statements, a signed personal financial statement, and how long you've been in business.
Same-day approval is available on straightforward files. Your specialist tells you straight what you qualify for.
At closing, funds are paid directly to your equipment vendor — along with where and how the equipment will be placed and used.
Straight answers
Equipment financing questions
Vehicles, machinery, technology, medical equipment, and construction equipment are the categories we finance most often. New or used equipment is eligible — titled equipment is OK.
Yes. New equipment just needs the vendor's spec sheet. Used equipment needs the year, hours or mileage, and condition so it can be properly valued.
The equipment quote or invoice, a description of the equipment (age and condition if used), your vendor's information, and where the equipment will be used and placed. On the business side: 2 years of business tax returns, 3 months of business bank statements, a signed personal financial statement, and proof of time in business.
Section 179 is a federal tax provision — not a VAB program — that can let a business deduct the cost of qualifying equipment, new or used, in the year it's placed in service instead of depreciating it over time. It generally applies whether you pay cash or finance. Deduction limits, phase-outs, and what qualifies are set by the IRS, change by tax year, and depend on your specific business — this isn't tax advice, so confirm the details with your CPA or tax advisor before you count on it.
Same-day approval is available on straightforward files. Funding timing after approval depends on how quickly your documents and vendor information come together.
At least 6 months in business, a credit score of 500+ (660+ preferred), and at least $5K in monthly revenue. Terms vary by equipment type and business profile — your specialist confirms specifics for your file.
The full equipment financing application is a member benefit. Submitting your info here isn't — chat with Sgt. Savings first, join when you're ready to move forward.
Your next piece of equipment
starts here.
A free quote review with an equipment finance specialist — we tell you what's realistic before any application.
Equipment financing is subject to credit, collateral, and underwriting approval. Rates and terms vary by equipment type, condition, and business profile.