Email your completed application to pwitte@360us.org. Do not send Social Security numbers or bank credentials over unsecured email — Peter will provide a secure upload link if needed.

Schedule a Consultation

Book your equipment financing consultation

Choose a convenient time and Peter will call you to discuss your equipment needs and available programs.

Equipment Financing

Business equipment loans and leases across Florida

Witte Mortgage arranges equipment financing and equipment leasing for contractors, medical practices, manufacturers, trucking companies, restaurants, and professional service firms throughout Florida. Whether you are buying a single excavator, outfitting a new dental office, or expanding a commercial fleet, we match you with lenders who understand your industry and your cash flow.

Programs include equipment finance agreements (EFA), $1 buyout leases, fair market value (FMV) leases, operating leases, and Section 179–friendly structures that let you write off qualifying equipment in the year of purchase. Startups, newer businesses, and challenged-credit buyers have options too — including application-only approvals up to $250,000 for many industries.

Financing built for how businesses actually buy equipment

Application-only to $250K

Fast approvals with a one-page app — no tax returns or financials required for qualified borrowers.

Startup-friendly programs

Newer businesses and first-time buyers have real options, not just prime-only lenders.

Section 179 tax benefits

Structures that support Section 179 expensing and bonus depreciation — talk to your CPA about eligibility.

Titled vehicles & trailers

Financing for commercial trucks, trailers, box trucks, service vans, and full fleets.

Used & auction equipment

Private-party, dealer, and auction purchases welcome — not just new equipment.

Soft costs included

Delivery, installation, training, warranties, and software can often roll into the loan.

FAQs

Equipment financing FAQs

How much can I finance for business equipment?+

Application-only programs typically go up to $250,000. Above that, full financials open up lines into the millions. Amount depends on time in business, credit, industry, and the equipment type.

Do I need to be in business for a certain time?+

Many programs require 2+ years in business, but true startup programs exist for owner-operators with strong personal credit and industry experience — especially in trucking, medical, and construction.

Lease vs. loan — which is better?+

It depends on your tax strategy, how long you'll keep the equipment, and cash flow priorities. A $1 buyout loan builds ownership; an FMV lease keeps payments lower and offers upgrade flexibility. Peter walks through both with your CPA in mind.

Can I finance used or auction equipment?+

Yes — most lenders finance used equipment from dealers, private sellers, and auctions, subject to age and condition guidelines.

How fast can I get approved?+

Application-only decisions often come back same-day or within 24 hours. Full-doc packages typically fund within a week.