FAQ
What financing options are available?
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We make it easy to get the equipment you need—fast and flexible.
Financing starting at $10,000 (Lincoln Electric equipment)
Application-only approvals up to $1,000,000
Choose the option that fits your business:
FMV (Fair Market Value) leases
$1 Buyout leases
TRAC leases
Equipment loans
$0 down / 100% financing available
No liens on your other business assets—keep your capital and credit lines free
Flexible terms from 12 to 84 months
Seasonal and step payments to match your cash flow
No payments for 90–180 days (deferred payment options)
All financing subject to credit approval.
What do I need to apply?
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Simple and straightforward:
An established business (Sole Proprietor, LLC, or Corporation)
A completed credit application
A quote from your Lincoln Electric rep or distributor
No personal-use loans—this is built for businesses.
How fast is approval?
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Speed is a big advantage:
Most applications are approved the same day
Larger or more complex deals: typically 1–2 business days
We move quickly so you can keep your projects moving.
Lease vs. Loan — Which is right for me?
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We offer options designed around your financial goals.
$1 Buyout Lease or Equipment Loan
You effectively own the equipment
Potential depreciation benefits
Ideal if you plan to keep the equipment long term
FMV Lease
Lower monthly payments
Ability to expense payments
More flexibility at the end of the term
Not sure which is best? We’ll help guide you.
How do you decide approvals?
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We look at the full picture of your business, not just a credit score.
Most small business approvals are based on owner credit
Stronger, established companies may qualify for corporate-only approvals
For larger deals, we may review financials such as financial statements, tax returns and debt schedules
Unlike traditional banks, our approach is more flexible and business-focused.
How is my rate determined?
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Your rate is customized based on:
Credit strength
Business performance
Equipment type and value
Deal structure
We work to find a structure that balances affordability and flexibility.
Are there any fees?
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A simple $495 documentation fee at closing
Can be rolled into your financing
No hidden surprises—just straightforward pricing.
Do I need insurance?
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Yes—protecting your investment is important.
Equipment must be insured
Mitsubishi HC Capital America is listed as loss payee
What happens at the end of the term?
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Loan or $1 Buyout Lease
You own the equipment 100%
Lien is released
FMV Lease — you have flexible options:
Purchase the equipment
Return it
Continue leasing month-to-month
Just provide notice 90 days before the end of term.
What else can you finance?
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We do much more than welding equipment. As one of North America’s largest independent finance providers, we support:
Manufacturing & fabrication
Automation & robotics
Construction & material handling
Additive manufacturing
Food processing & packaging
Printing
Transportation & sustainability
Healthcare
Our solutions help you:
Preserve cash
Improve cash flow
Stay competitive with the latest equipment