Challenged Credit Programs for Manufacturers, Dealers & Distributors

NFS provides capital equipment financing to customers across the U.S. and Canada in industries such as healthcare, construction, manufacturing, IT and more. NFS works with vendors to increase their sales, generate incremental revenue and augment existing leasing partnerships. If you are a vendor looking to transform your business by finding the right capital equipment financing for your challenged credit customers, look no further than NFS Leasing and its creative vendor partner programs.
“From the beginning, NFS Leasing has been an invaluable asset in helping us serve our customers. Their team of experienced executives has enabled our channel oriented business model, and they are an outstanding partner, offering flexible and creative solutions to our financing needs. It has been a pleasure working with NFS and we look forward to their assistance in providing our future finance needs.”
-Brian Hierholzer, President
Serve More Customers – Close More Sales

Serve More Customers – Close More Sales

Many vendors are challenged when trying to obtain capital equipment financing for their customers with challenged credit. NFS Leasing specializes in working with customers that do not qualify for traditional equipment financing whether the customer is an emerging company or one that currently faces financial challenges.

NFS Leasing delivers customized capital equipment financing programs to help our vendor partners increase sales in their competitive marketplaces. NFS’s senior finance experts work to create programs that speed selling cycles, remove obstacles and grow the business, all while taking the time to carefully consider the strategic goals of the end-user customer.

With a focus on generating incremental revenue from customers that need growth capital but may not have access to traditional equipment financing, NFS works with a wide range of vendors including:

  • Global manufacturers
  • Distributors
  • Resellers

NFS Leasing is the preferred alternative lender for many vendors to help augment existing leasing partnerships they may have for their A and B credit customers. We want to hear your customers’ story. Contact us to learn more on how NFS Leasing can extend your credit score cut off and increase your revenues.


Capital equipment financing transactions are common at NFS Leasing. Check out some of our recent fundings here.



FMV Operating Leases

Lower up-front costs, lower monthly payments, multiple tax advantages may be available and up to 100% financing including “soft costs”.



Finance / $ Buy Out Leases

Enjoy benefits of ownership of the asset with exclusive right to use, purchase options and up to 100% financing of the asset and soft costs.



Sale and Leaseback

Monetize the equity in your recent equipment purchases to free up cash and lower your tax burden while still retaining use.



Working Capital Loans

Cover unexpected losses, take advantage of cash buyer benefits, last minute supplier discounts or whatever else is needed.



What is an equipment lease?

An equipment lease is a finance rental arrangement between an equipment owner (the lessor) and a business owner (the lessee). The lessee gets to use the equipment by paying the lessor monthly lease payments over a mutually agreed upon term length.

Why businesses Lease vs. Buy?

The principal motive for leasing equipment is cash flow ”the ability to get equipment now without a major one-time expenditure of cash.” This enables the business to better match expenses with revenue and protect against obsolescence.

Other businesses may prefer to lease because their tax situation is such that it cannot benefit from the depreciation. It may also wish to maintain a debt-equity ratio that will attract new investment more easily, and leasing (rather than investment) will accomplish that.

And, those companies engaged in rapidly evolving technological market, use leased equipment under short-term leases permitting it the opportunity to exchange new and better equipment more rapidly than would with ownership of a capital lease.

Who is NFS Leasing Inc.?

NFS is a privately held North American leader in Equipment Finance Leasing with more than 18 years experience. NFS provides solutions, supporting businesses and organizations with challenged credit including; early stage, start-up and pre-revenue, financially distressed and turn-arounds, NFS uses its own balance sheet capital and provides fast flexible decisions. We are a story credit lender. We want to hear your story.

What makes NFS Leasing unique?

The NFS Leasing Management Team understands the challenges of running a business and wants to help those struggling to secure critically needed financing. We are a creative and flexible financer. We want to hear your story. We are a trusted partner with exceptional listening skills. We will partner with you to provide creative financing solutions and structures for many non-traditional financing needs. We also consider other forms of collateral providing multiple options for financing. Tell us your story.

What size transactions does NFS Leasing support?

We fund transactions $100K – $15M. While a wide range, funding the under $1M supports various situations with new NFS customers and repeat customers. We listen to the big and smaller stories. Tell us your story.

What do I need to qualify for an equipment lease with NFS Leasing?

NFS has no hard and fast rules for making a credit decision. We want to hear the story of your business and will gather information to make an informed and flexible credit decision to help your company grow and achieve your objectives.

What types of leases are available from NFS Leasing?

NFS Leasing offers several types of equipment leasing. Including FMV Operating Leases, Finance/ Dollar Buy Out Lease, Sale Lease Back and Working Capital (secured by assets). NFS also offers creative structures including; Step Payment Leases (term), Quarterly/Annual Payment Options and short-term leases.

We work together as partners to determine the best financial solution. We take time to listen to your story and provide guidance and education on the lease types, terms and terminology. We view our partnerships as a collaboration and want to support your business situation.

Are lease payments eligible for an income tax write-off?

The equipment you lease may qualify for the Section 179 tax deduction. Through Section 179 a business can deduct the monthly payments from its taxable income. Not all types of equipment are eligible, and there are certain IRS requirements that need to be followed. Consult with your tax professional.

How do I get started?

Contact us here to tell us your story and discover how our creative financing solutions can help your company succeed.


  • Geography: United States and Canada
  • Transaction sizes from $100,000 to $15,000,000 or more
  • Terms: 12-72 months (depending on asset class)
  • Including Step Payments (term), Quarterly/Annual Payment Options and Short Term Leases

Serve More Customers – Close More Sales

We want to hear your customers’ story.

NFS Leasing is the preferred alternative lender for many vendors to help augment existing leasing partnerships they may have for their A and B credit customers. We want to hear your customers’ story. Learn more about how NFS Leasing can extend your credit score cut off and increase your revenues.

We are THE story lender. Tell us your story.

It is common for many businesses to undergo short term cash constraints. Whether large or small, early stage or established, private or public, NFS Leasing will listen to your story, understand your needs, and work with you to construct a financial solution that meets your unique business needs. CONTACT NFS and tell us your story.




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