Why Now Is the Time to Secure Equipment Financing Before Year-End

As the year draws to a close, many small and midsize businesses face a critical decision: whether to secure equipment financing before December 31st. For companies in industries like trucking, towing, food processing, packaging, and general industrial services, this timing can make a significant difference. Waiting too long risks missing out on valuable tax benefits, paying higher prices, or losing budget allocations. Whether you’re planning a fleet expansion, upgrading machinery, or replacing aging equipment, acting before year-end can deliver meaningful financial advantages.

Here are the three biggest reasons to accelerate your equipment purchase and financing plans now:

Lock in lower equipment prices now and reap the tax benefits before the new year.

1. Take Advantage of Tax Benefits Before Year-End

Year-end is one of the most advantageous times to finance equipment thanks to Section 179 and bonus depreciation, which allow businesses to deduct the full purchase price of qualifying equipment in the year it is placed into service.

By financing through CapX Funding, many customers can:

• Deduct up to the full cost of eligible new or used equipment

• Decrease taxable income before the year closes

• Improve cash flow by spreading payments over time while taking the full deduction this year

  
  

To take advantage of these benefits, equipment must be acquired and placed into service by December 31st. This deadline makes timing critical.

2. Avoid Rising Equipment Costs and Tariffs

We’re already seeing manufacturers raise prices on certain equipment categories due to:

• Rising material costs

• Increased supply chain expenses

• New and upcoming tariff policies

• Limited inventory in high-demand sectors

  
  

In some cases, vendors have told us that equipment for sale in Q4 will cost more in Q1 due to scheduled price bumps.

Financing now can protect you from paying more later.

3. Use Remaining 2025 Budgets Before They Expire

Many companies operate with annual capital budgets that must be used within the fiscal year. If your business has remaining funds allocated for equipment purchases or upgrades, it makes sense to use them before they expire.

We regularly work with companies who need to finalize purchases quickly so they don’t lose access to this year’s funds.

How CapX Funding Supports Your Year-End Equipment Financing Needs

Whether you’re purchasing new or used equipment, CapX Funding streamlines the process:

• Simple application and fast approvals

• Financing for a wide range of equipment (new or used), including tow trucks, semi-trucks, food-processing machinery, packaging lines, shop equipment, industrial assets, and more

• Flexible structures (finance agreements, equipment leases, and working capital options)

  
  

We also work directly with vendors and dealers, so you don’t lose time tracking down invoices, serial numbers, insurance, or delivery details.

Ready to Secure Your Equipment Before Year-End?

If you’re considering an equipment purchase, don’t wait. Year-end is the busiest time for financing, and delays from vendors, insurance providers, or delivery scheduling can push deals into the new year.

Start your application now to lock in tax benefits, current pricing, and any remaining 2025 budget.

👉 Call or text us: 866-914-2279

👉 Email: info@capxfunding.com

👉 Apply online: https://www.capxfunding.com/apply-now