New machines, new trucks, new technology, a new kitchen — whatever moves your business forward. Speak with Athena, get your complimentary quote in just a few minutes, and have a credit decision in as little as one to two hours.
Soft pull only — no effect on your FICO score. No obligation. Athena answers instantly, day or night.
Tell her what equipment you need, what it costs and who is selling it. It takes just a few minutes. Soft pull only — your credit score is untouched.
We place your request with the right equipment lender. Credit decisions can come back in as little as one to two hours, with clear, fixed monthly payments.
Sign electronically — no stacks of paperwork. Your vendor is paid directly, typically within 24–48 hours, and the equipment goes to work.
Fixed terms and predictable monthly payments protect your cash flow. Athena will walk you through which structure fits.
Finances the entire cost of the equipment. Make fixed monthly payments, and at the end of the term it is yours for one dollar.
Typically the lowest monthly payment. At the end of the term, buy it at fair market value, return it, or upgrade to the latest model.
A simple fixed-rate, fixed-payment financing agreement. You own the equipment from day one while you pay it off.
Soft pull only — no effect on your personal credit. No obligation.
Under Section 179 of the tax code, many businesses can deduct a substantial portion of the cost of qualifying equipment in the year it is placed in service — even when the equipment is financed. That can mean a meaningful tax benefit this year while the payments are spread over the term.
We Finance America does not provide tax advice. Please confirm eligibility and limits with your CPA or tax advisor.
Athena is our AI loan placement advisor. Tell her what you are buying, and she will explain your options, answer detailed questions about leases and terms, and start your complimentary quote — right now.
On a phone, tapping calls her directly. On a laptop, she opens right in your browser. Prefer to dial? (602) 905-2066 · Prefer email? Freequote@wfa.cash
Buying one machine or outfitting a whole location — get a fast decision and a payment that fits your cash flow.
Offer your customers financing at the point of sale and close more deals. Your customer speaks to Athena; you get paid directly.
Send clients who need equipment. Soft pull only, fast decisions, and a single point of contact for every funding need.
Credit decisions can come in as little as one to two hours, and funding typically follows within 24–48 hours of approval. Your vendor is paid directly, so you can take delivery and put the equipment to work.
No. Your complimentary quote starts with a soft pull only — there is no effect on your personal FICO score. A full credit review happens only later, with your permission, if you decide to move forward.
A $1 buyout lease finances the entire cost of the equipment, and at the end of the term you own it for one dollar — it works like a purchase. A fair market value lease usually carries a lower monthly payment; at the end you can buy the equipment at its fair market value, return it, or upgrade to newer equipment.
Terms typically run from 12 to 72 months, depending on the type of equipment, its cost and its useful life. Payments are fixed, so you know exactly what you will pay every month.
More than 100 categories — construction, manufacturing, material handling, HVAC, restaurant, automotive service, medical, dental and veterinary, computers, phone systems, point-of-sale, software and more. If your business depends on it, ask Athena.
No. Programs are available across a wide range of credit profiles. Businesses with lower scores may be asked for a larger down payment or additional collateral, and stronger credit earns stronger terms.
Often, yes. Early payoff terms vary by agreement, so we will confirm whether any prepayment terms apply before you sign.
Many businesses use Section 179 to deduct a substantial portion of qualifying equipment in the year it is placed in service, even when it is financed. Your CPA can confirm how it applies to you.
Speak with Athena and get your complimentary quote in just a few minutes — soft pull only, no effect on your credit, no obligation.