Loan programs
Pick the structure that matches your cash flow
The right program depends on whether you want ownership now, the lowest possible payment, or the biggest deduction this tax year.
Equipment Loan / Chattel Mortgage
Best for: Operators who want to own the machines from day one
- Full ownership from the first payment
- Depreciation and interest deductions available
- Flexible balloon or residual options
Finance Lease
Best for: Operators protecting working capital
- Lower initial monthly payments
- Preserves cash for inventory and locations
- Buyout option at fair market value at end of term
Section 179 Structuring
Best for: US operators planning around this tax year
- Potentially deduct up to 100% of equipment cost in the purchase year
- Applies to machines, card readers and qualifying vehicles
- Coordinate timing with your CPA before year end
Low-Doc / No-Doc Financing
Best for: Newer operators or EIN holders with limited returns
- Decisions based on credit profile and recent bank statements
- Typically 600+ credit considered, 620+ preferred
- Fast turnaround, often 24–48 hours
Side by side
Program comparison
| Plan type | Best for | Ownership | Monthly payment | Tax treatment |
|---|---|---|---|---|
| Equipment loan / chattel mortgage | Own the equipment immediately | Yours from day one | Moderate | Depreciation + interest deductions |
| Finance lease | Lower monthly outlay | Buyout at end of term | Lowest | Lease payments generally deductible |
| Section 179 structuring | Deduct in the purchase year | Yours from day one | Moderate | Up to 100% of cost potentially deductible this year |
| Low-doc / no-doc | Newer operators, limited returns | Depends on structure | Higher | Same as underlying structure |
Tax outcomes depend on your entity, income and equipment placed-in-service date. This is general information, not tax advice — confirm with your CPA.
Eligibility
Transparent guidelines before you apply
Most vending operators qualify on credit profile and recent bank statements. Startups are considered with a stronger personal credit file or a deposit.
24–48 hour decisions
On complete low-doc applications.
600+ credit considered
620+ unlocks the best terms.
$5k – $250k+
Single machines through full routes.
Low-doc options
Bank statements instead of returns.