How it works

We finance or lease commercial equipment for companies that have been running for at least 2 years or the owner must have at least 5 years’ experience on the field. The minimum amount financed is $15k.

Minimum Financed:
Term length:
24-72 Months
Credit Decision:
2-3 Business Days
Required Time in Business:
2+ years or 5+ years of industry expertise

Industry Solutions

Our management understands what every industry needs to maintain or grow operations.

  • Hospitals
  • Homecare Equipment
  • Clinical Laboratory
  • Healthcare Information Systems
  • Cardiology
  • Ophthalmic
  • Dental
  • Optometric
  • Dermatology
  • Surgical
  • Veterinary

Health Care

  • Excavators
  • Dozers & Pavers
  • Back Hoes
  • Cranes
  • Structural Steel Erection
  • Compactors
  • Wrecking & Demolition
  • Scrapers
  • Asphalt Production
  • Loaders
  • Generators


  • IT Servers
  • Printers
  • Notebooks, Computers & Laptops
  • Scanners
  • Telephone Lines
  • Projectors
  • Workstations


  • Forklifts
  • Food Processing
  • Aerial Lift
  • Scissors Lift
  • Production Lines
  • Bottling
  • Bottle Making
  • Packaging Equipment


  • Trucks
  • Trailers
  • Company Fleet Vehicle
  • Cargo Van
  • Fuel Companies


  • Tractors
  • Combines
  • Irrigation System Attachments
  • Harvesting Machinery
  • Milking
  • Seed Drill
  • Planter


  • Energy & Controls RetrofitsSolar (PV) Systems
  • Commercial Lighting (LED)
  • Generators
  • Water Conservation
  • Alternative Energy Systems


Financing Options

Our financing options are:

Two Party Transactions

The borrower holds legal title to the equipment, enters a contract with CEFI to repay the principal balance and pledges the equipment as collateral. Borrower reports assets and loan principal balance on balance sheet, deducts interest expense and equipment depreciation.

Capital Lease

CEFI holds legal title to the equipment and rents it to the Lessee for a specific period with a fixed monthly payment. Lessee reports assets and lease principal balance on balance sheet, deducts interest expense and equipment depreciation. At the end of the rental period, lessee purchases the equipment from CEFI at a previously agreed upon price ($100).

Operating Lease

CEFI holds legal title to the equipment and rents it to the Lessee for a specific period with a fixed monthly payment.  Lessee’s balance sheet is not impacted; lease payments are reported as a capital expense. At the end of the rental period the equipment’s fair market value is assessed and the lessee has the following options:

  • Continue to rent the equipment.
  • Purchase the equipment at Fair Market Value (FMV).
  • Return the equipment to CEFI
  • Return the equipment to CEFI and enter into a new agreement to rent new equipment.

Sale Leaseback

CEFI purchases the equipment from your business and leases the equipment back to you. The original owner continues to use the equipment without disruption.

How to Apply?

Applying is simple, just submit the following documents to a CEFI Sales Representative and in 2-3 business days your sales rep will inform you on our credit department’s credit decision, credit terms and discuss next steps for contract signing.

Application Requirements

In order to apply you need to provide the following information:

Complete our Credit Application
Equipment Invoice
3 Most Recent Bank Statements
2 Most Recent Financial Statements
Personal Financial Statements


Prior to contract signing, client must insure the equipment to be financed or leased. CEFI must be included as Loss Payee/Additional Insured and the equipment description, serial numbers and insured amount must aapear on the insurance certificate submitted to CEFI.


Request a Quote

For a quick quote, fill out the following information.


Boost your regional sales by offering fast, affordable, and knowledgeable business financing solutions to your customers via CEFI. We are leaders in structuring targeted leasing and financing programs for vendors, dealers and distributors.

Prospects like Alternatives

We provide vendors with credit applications and monthly payment factors so they can give prospects a monthly payment figure instantly and have them fill out the application. 

Personalized Service:

Have a prospect interested in financing commercial equipment, give us the details via phone or web and we will contact them to discuss financing alternatives and set up a meeting.

Professional Support:

We evaluate financing solutions that best fits client’s needs from the moment we contact a prospect.

Need financing marketing material for your prospect, just ask.

Simple Application Process:

Our application can be submitted online or downloaded and sent via email or fax. We will contact your prospect to obtain additional information.

1-3 Business Days: Time it takes to produce a credit decision (Once we receive the required client credit documents).

Next Day Funding; Once client signs the necessary contract paperwork and submits required insurance documents.

From the moment we contact a prospect, we evaluate financing solutions that best fits their needs and objectives increasing the likelihood and speed of a sale.

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