Vendor Financing Made Easy

Discover The Benefits Of Partnering With NFS Leasing For Vendor Financing

NFS Leasing partners with key strategic vendors to provide vendor financing and leasing to their customers across the U.S. and Canada in industries including medical, healthcare, biotechnology, life sciences, scientific instrumentation, manufacturing, technology, construction, agriculture, machinery, heavy equipment and more. NFS works with our vendors to increase sales, generate incremental revenue and augment existing vendor leasing capabilities.


If you are a vendor looking to transform your business by finding the right vendor equipment financing for your customers, look no further than NFS Leasing and our creative vendor partner programs.


If you are a business looking to secure financing for a piece of equipment, you can read more about Vendor Financing: What Every Business Owner Should Know or submit an application here.

Elevate your Business with Vendor Financing

NFS Leasing is an experienced equipment lender offering business leasing and financing solutions. NFS works closely with its partners to develop custom vendor financing programs tailored to their products and services. We help our vendor partners drive incremental sales and close deals more quickly.

NFS works with a wide range of vendor partners, including global manufacturers, dealers, distributors, and resellers. Many leading manufacturers count on NFS Leasing to provide fast and flexible financing solutions helping them to close more sales and accelerate transactions. Read more about Vendor Financing: What Every Manufacturer or Dealer Should Know.

Vendor financing is an arrangement in which a vendor, manufacturer, or supplier provides financing options to their end-user customers, helping them purchase the vendor’s products or services. This arrangement benefits both the vendor and the customer as the vendor accelerates the sale by providing financing solutions, and the customer can access the products without having to pay for the equipment with cash or delay their purchase while searching for a lender to secure financing.

NFS Leasing collaborates with its vendor partners to structure and deliver a customized vendor financing program. 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 consider the strategic goals of the end-user customer carefully.

The vendor may refer its customers to NFS Leasing for financing, or NFS Leasing may work directly with the vendor to provide financing options. NFS Leasing will quickly evaluate the customer and provide financing solutions for the purchase of the vendor’s products.

When customers cannot obtain financing, they are forced to move on to a competitor willing to work with them, or delay the purchase or even not buy the equipment at all. These scenarios create customer frustration and missed opportunities for the vendor trying to make the sale.

Offering an integrated vendor financing program can increase sales and strengthen customer relationships, preventing a vendor’s prospect from going elsewhere to source the equipment to satisfy their needs.


Benefits of a Vendor Finance Partnership with NFS Leasing

While traditional equipment finance companies may avoid writing leases or loans to customers with C, D, or story credits, NFS Leasing sees the opportunity and provides a solution for its vendor and manufacturer partners in serving those…

Vendor Financing: What Every Manufacturer or Dealer Should Know

As a vendor or manufacturer of the equipment, you likely understand the fundamentals of vendor financing. The basic definition is the lending of money by a vendor to a customer who uses the capital to purchase the vendor’s product.    

podcast financing equipment manufacturers

How Vendors & Equipment Manufacturers Can Benefit From Partnering With Financing Sources to Serve Customers With Less Than Perfect Credit

For many businesses, getting the financing they need for essential use equipment can be tough if they hit a rough patch. As a vendor or manufacturer of the equipment, it can be a challenge trying to obtain…

the Many Benefits of Offering NFS Leasing’s Vendor Financing & Leasing Solutions

It’s essential to exceed your customer’s expectations, and one way to achieve this is by offering equipment leasing options. Rather than purchasing equipment outright, businesses find leasing to be a more appealing choice. By partnering with NFS Leasing, you can provide your customers with the financial assistance they need to acquire your product while enjoying a range of valuable benefits.

80% of Businesses

According to the Equipment Leasing and Finance Foundation’s report, equipment and software investment expanded by 12% in 2021. Nearly 8 out of 10 businesses rely on financing when acquiring equipment. Financing is essential in facilitating these investments. In fact, approximately 57% of all acquisitions are financed through loans, leases, or a line of credit. Businesses frequently turn to external funding sources for their equipment and software needs.

Leasing is THE MOST

Leasing stands out as the most prevalent financing method among businesses acquiring equipment and software, accounting for 26% of all acquisitions. Many companies prefer leasing equipment rather than buying it outright. The Equipment Leasing and Finance Foundation shares an infographic outlining the facts.


NFS Leasing is a trusted vendor financing partner to many and a long-standing member of the Equipment Leasing and Finance Association (ELFA). Our commitment to the ELFA Code of Fair Business Practices ensures that you and your customers receive reliable and ethical financing services.

Competitive EDGE &

By offering vendor financing, you expand your pool of potential buyers who may lack sufficient capital or immediate access to funds. This can result in faster closes, higher sales volumes and increased market share for your business. Moreover, vendor financing gives you a competitive edge by differentiating your services from competitors who may not provide a financial solution. When customers compare multiple vendors, funding availability becomes a compelling selling point and a deciding factor in their purchasing decision.

Enhanced Customer

Vendor financing simplifies the buying process for your customers by eliminating the need to approach external funding sources like banks or other institutions. Your customer can secure financing through you, benefiting from flexible payment options and quick approval processes. This saves both time and effort, ultimately enhancing the overall customer experience.

Options to Meet Each
Customer Need

Vendor financing allows businesses to acquire the necessary equipment while managing their cash flow effectively. It offers an alternative to traditional financing methods. It proves particularly beneficial for customers needing immediate capital or preferring to preserve their cash reserves for other business needs. You can streamline the equipment acquisition process with NFS Leasing’s vendor financing solutions.
By providing NFS Leasing’s vendor financing solutions, you can meet your customers’ diverse credit profiles and close more sales. Serving customers across the credit spectrum opens the door to a wealth of opportunities for you and your customers. NFS Leasing’s vendor financing program ensures that every customer can access the equipment needed for their growth. By providing financing options tailored to individual credit profiles, you position yourself as a trusted partner who genuinely cares about your customers’ success. This approach strengthens customer loyalty and expands your customer base as word spreads about your inclusive and accommodating financing options. Listen to NFS Leasing’s President, Ashley Whyman, and learn more about How Vendors & Equipment Manufacturers Can Benefit From Partnering With Financing Sources To Serve Customer With Less Than Perfect Credit.

Embrace the clear and valuable benefits of NFS Leasing’s vendor financing program for you and your customers. Read more about the Benefits of a Vendor Finance Partnership with NFS Leasing.

NFS Leasing's Vendor Financing Programs

NFS Leasing’s vendor financing programs are built on trust and customized to meet each vendor’s needs. NFS Leasing’s financing services and solutions are designed to help its vendor partners accelerate sales, earn customer loyalty and provide excellent service. NFS Leasing will work to create the best possible financing solution for our vendor partners removing the burden of financing while eliminating the risk of default.

Agreement Options:

  • Vendor Financing Referral Program
    NFS Leasing serves as the recipient of a simple referral from the vendor partner. In this case, the vendor refers the customer to NFS Leasing, and NFS documents the customer’s lease on our own paper.
  • Private-Label Vendor Financing Program
    The vendor offers financing to its customers at the point of sale with the vendor’s branding attached. However, the funding is entirely administered by NFS Leasing.
  • Syndication Program
    NFS Leasing collaborates with the vendor partner, helping close significant business for transactions outside of the vendor’s risk exposure, allowing the vendor to spread the risk.

Program Services:

  • Dedicated Vendor Partner Team
  • Quick Turnaround Time
  • Transaction Sizes from $25K – $15M
    NFS Leasing can support the vendor’s unique business needs by offering a wide range of financing, including flexible, customized solutions up to $15M and an easy and quick small ticket program up to $250K. Vendors can leverage these services individually or in combination for optimal results.
  • Wide-Ranging Credit Spectrum
    Providing solutions for the underserved C, D, story credits, customers with limited or less than perfect credit, including start-ups and pre-revenue businesses, emerging businesses, VC and PE-backed companies, and turnaround businesses.

    NFS also offers options to serve the vendor partners full credit spectrum A – D, leveraging NFS Leasing’s trusted, efficient program and process.
  • Multiple Financing Structures and Terms
  • Vendor Portal
    Providing access and tracking data generated between their customers and NFS. This information is invaluable for our partners to project product needs and create marketing strategies. (This service is coming soon.)


Vendors With No Current Finance Offering

Unlock the untapped potential of your business by embracing the power of vendor financing. Don’t let missed opportunities slip through your fingers. Join forces with NFS Leasing, a trusted industry leader known for expertise and unwavering strength. With our cutting-edge vendor financing solutions, you can revolutionize your customer experience.

Vendors Without a Program For C - D Credits, Startups, Pre-Revenue, VC-Backed Finance Offering

Imagine catering to a new segment of customers: those with limited or less-than-perfect credit who require your vital equipment for their missions. By embracing NFS Leasing’s program, you not only bridge the gap for these underserved customers but also expand your portfolio and boost sales like never before. Embrace the incremental growth that comes from diversifying your leasing partnerships.

Vendors With An Existing Lender Partner That Is Underperforming

Picture this: a customer is ready to finance your high-quality product, only to be frustrated and disappointed when financing the equipment. Don’t let that be your story. With NFS Leasing, you can ensure seamless approvals and provide your customers with the financing options they need. Experience a streamlined purchasing process that minimizes headaches while satisfying your business goals and customers’ desires for swift equipment acquisition. Take advantage of the opportunity to transform your business and propel it to new heights. Embrace the NFS Leasing advantage today and witness the power of vendor financing in action.

Take advantage of the opportunity to transform your business and propel it to new heights. Embrace the NFS Leasing advantage today and witness the power of vendor financing in action.

NFS Leasing has completed many fast equipment financing transactions recently. Check them out here.


NFS Leasing FMV Operating Leases

FMV Leases

Lower up-front costs, lower monthly payments, multiple tax advantages may be available and up to 100% financing which may include “soft costs.”
Finance / Buy Out Leases

Capital Leases ($1 buyouts)

Enjoy benefits of ownership of the asset with exclusive right to use, finance up to 100% of the asset and soft costs, and purchase the asset at the end of the lease term for $1.
Sale and Leaseback

Sale and Leaseback

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

Asset Based Loans

Leverage the equity of any of your unencumbered business assets for immediate working capital, bridge financing, asset acquisition, coverage for unexpected opportunities, strategic projects, and more.

NFS Financing at a Glance

  • Geography: United States and Canada
  • Transaction Sizes:
  • Small-Ticket Program: $25K – $250K
  • Mid-Large Ticket: Up to $15M
  • Terms: 12-84 months (pending asset class)
  • Creative Structures: Including Step Payments (term), Quarterly/Annual Payment Options, and Short-Term Leases
  • Asset Class/Industries: Most hard assets but most commonly we lease: IT, Medical Imaging, Scientific Instrumentation, Manufacturing, Print Production, Construction, Agricultural, Machine Tools. Most industries except for: Weapons, Adult Entertainment, Marine and Aircrafts, Cannabis in U.S. (will look at Cannabis in Canada).

Frequently asked questions

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.
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.
NFS is a privately-held North American leader in Equipment Finance Leasing with nearly two decades of experience. NFS provides solutions, supporting businesses and organizations with challenged credit including; start-up, pre-revenue, financially distressed and turnaround companies, NFS uses its own balance sheet capital and provides fast, flexible decisions. We are a story credit lender. We want to hear your story.
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.

We fund transactions from $25K – $250K (small-ticket program) and up to $15M (flexible custom solutions). While a wide range, funding the under $1M supports various situations with new NFS customers and repeat customers.

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.
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.
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.

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

Serve More Customers – Close More Sales

We want to hear your customers’ story.

We are THE story lender
Tell us your story

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Years In Business & Over 300 Years
Combined Management Expertise


Over 5,000
Clients & Partners*


Over $1 Billion
In Total Lease Originations

It is common for many businesses to undergo cash constraints. Whether emerging or established, private or public, cash constraints can arise. NFS Leasing is here to help and will listen to your story, understand your needs, and work with you to construct a custom equipment finance solution that meets your needs.
Contact NFS Leasing and tell us your story.

A FMV lease is an equipment lease that provides flexibility to the lessee at the end of the lease term to extend the lease term, buy the asset outright at the then fair market value, or return the asset to the leasing company.

Compared to a $1 buyout capital lease, FMV leases typically have lower up-front costs, lower monthly payments and potentially significant tax advantages. Under the FMV lease, the lessor retains title to the equipment and the lessee does not own the equipment. In an FMV lease, the lessee may finance up to 100% of the cost of the equipment including “soft costs” (e.g., transportation, delivery, installation and other deferred costs).

$1 buyouts are different than FMV leases in many ways, including the customer’s ability to hold ownership of the asset with exclusive right to use and purchase options. $1 buyouts offered by NFS often include 100% financing of the asset, which allows the company to conserve cash up front for other projects with higher ROI potential. With $1 buyouts, the lessee owns the equipment subject to the lessor’s lease interest analogous to a secured financing. A $1 buyout lease is an excellent choice if a company is interested in long term equipment ownership.

Payments under a $1 buyout are fixed and as equipment owner, the company may depreciate the value of the equipment and potentially take advantage of IRS Section 179 incentives and Bonus Depreciation. $1 buyouts are an effective option for financing equipment with a long useful life (such as yellow iron, manufacturing machinery, warehousing and racking, etc.) as the equipment may be depreciated on your balance sheet, and you may be able to deduct the interest expenses from your taxes. See your tax consultant for details.

A sale leaseback is when the lessor purchases equipment that a company owns and then leases it directly back to the company.

A sale leaseback allows you to monetize the equity in the owned assets which could be as much as 80% of the fair market value of the asset. This is useful when a company needs to use the cash invested in an asset for other investments (where a higher rate of return can be generated), but the asset is still needed to operate their business. This provides the company immediate cash and then at the end of the term, the company may own the equipment outright again.

A sale leaseback can provide the opportunity to reinvest the newly acquired capital towards expansion, company expenses, purchasing inventory or many other business needs. Reimbursements can be structured as a lease or a loan depending on your unique business needs.

An asset based loan is a financing approach to access equity a company may have built up in its business assets and convert such equity into working capital for immediate day-to-day operations and/or growth opportunities. Significant new projects, such as an expansion in production or entering new markets, require investment. Investment into new projects or initiatives reduces cash flow. An ABL is a viable solution to service cash flow needs.

Any business with assets can apply for an asset based term loan. The company retains title in the assets and pledges those assets to the lender as collateral for the loan. Depending on the company’s credit profile, the lender may require additional credit support for the company’s obligations under the loan. Advantages include fixed interest rates for the full term that are not tied to variable market rates and continued use of the pledged assets during repayment of the loan.

NFS offers asset based loans collateralized by business assets, including owned and unencumbered equipment and real estate. For customers requiring creative solutions, NFS may consider additional credit support through pledged cash accounts or marketable securities, and through warrants, revenue sharing, royalty agreements, or other considerations.

Businesses who are looking to utilize the equity built up in company assets and who prefer retaining ownership during the life cycle of the transaction, favor asset based loans.