Heavy Equipment Financing Programs

The best financing structure depends on your equipment needs, business goals, and financial situation. Thirty3 Capital offers equipment loans, operating lease structures, Equipment Finance Agreements (EFAs), and additional financing options tailored to different industries and business operations.

Thirty3 Capital offers several equipment financing options, including TRAC leases, FMV leases, Equipment Finance Agreements (EFAs), and traditional equipment loans. Our team helps businesses compare structures, payment terms, and financing flexibility to identify the best fit for their operational goals.

A Terminal Rental Adjustment Clause lease, or TRAC lease, is a popular option for businesses seeking lower monthly payments and flexible lease terms. This type of lease agreement can help preserve working capital while allowing companies to lease equipment essential to daily operations. Businesses should consult a tax advisor regarding potential tax benefits and how lease payments compare to traditional loan payments.

A Fair Market Value lease, or FMV lease, allows businesses to use equipment during a fixed lease term with the option to purchase the equipment later at fair market value. This financing structure is often used by companies looking to manage costs while maintaining flexibility around future equipment purchases.

EFAs are popular for their versatility and benefits, such as preserving cash flow, the ability to finance 100% of the equipment cost, and helping keep critical equipment up to date. They are known for their speed, flexibility and convenience. At Thirty3 Capital, we can tailor the terms of your EFA to your business’ unique needs and get you financing quickly – typically we can do same-day approvals.

An Equipment Finance Agreement functions similarly to a traditional loan by creating ownership of the equipment while spreading payments across a fixed loan term. Many businesses choose EFAs because they preserve working capital, support cash flow management, and provide flexible financing for essential equipment with predictable loan payments.

The benefits of equipment financing can also include maintaining available cash for daily operations and avoiding large upfront equipment costs.

Yes. As part of the Trinity Trailer family of companies, Thirty3 Capital offers financing programs for trailer purchases, parts, and service. We provide financing solutions with flexible terms and competitive structures designed around your operational needs.

If you have identified the equipment you would like to purchase, our team may begin with a soft credit inquiry to help determine financing eligibility and identify appropriate financing structures. In some cases, a hard credit pull may be required before final credit approval.

Most applications receive a financing decision within 24 hours.* Our streamlined process helps businesses secure the necessary equipment they need without long delays from traditional financial institutions or many lenders.

*All financing subject to credit approval (OAC).

Down payment requirements vary based on the equipment type and age, financing structure, credit profile, and overall financial situation of the business. Some financing programs may allow qualified businesses to secure equipment with little money down, while others may require an initial down payment to support approval terms.

Equipment financing is designed specifically for purchasing business equipment and machinery, while lines of credit are often used for short-term operational expenses or working capital needs. Equipment financing typically provides structured payments and terms tied directly to the asset being purchased.