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Anything with a serial number and a resale market: farm machinery, construction and excavation equipment, medical and dental units, manufacturing lines, restaurant kitchens, and commercial vehicles. If a lender can identify and repossess it, it can usually be financed against.
It depends on how long you will keep it. Financing builds ownership and suits equipment with a long useful life and steady resale value, like farm machinery. Leasing suits equipment that dates quickly, such as diagnostic or computing hardware, and often carries lower payments with an option to buy at the end. Compare the total cost over the equipment's actual working life, not the monthly figure.
Yes, and it is common. Lenders set age limits by category, since a 15-year-old tractor holds value differently from a 15-year-old diagnostic machine. Expect a shorter term and a higher rate on older units, and an appraisal on higher-value purchases.
Smaller amounts can be approved within a day on bank statements alone. Larger purchases requiring an appraisal or a vendor quote typically take a few days. Having the vendor quote ready is the single biggest thing that speeds it up.
