NPMCA — National Pavement Maintenance Contractors Association

Equipment financing

The note on the machine

Equipment financing

The note behind the truck, tank, or paver.

Why it matters

Equipment financing is often the largest note a shop signs. Lease versus loan, and who owns the machine at the end, changes the business.

Bring questions, not a rate card. NPMCA does not publish payments, APRs, or a preferred lender on this page.

  • A shop buying a machine it will run for years.
  • An owner comparing a lease with a loan.

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