Well-structured machinery financing lets the equipment work while you pay for it, without decapitalizing your business. The key is choosing the right structure — and for heavy machinery the options differ from those for minor equipment.
Traditional financing vs. operating leasing
With traditional financing you own the equipment from day one and pay a fixed installment. With operating leasing, the rent is 100% tax-deductible and off-balance-sheet, with a purchase option at the end — ideal for companies that prioritize cash flow and deductibility. Both apply to heavy machinery, backhoes and Bobcat equipment.
Down payment, term and rate
The typical down payment starts around 10–20% depending on the country and asset; the term runs 12 to 60 months. The longer the term, the lower the installment but the higher the total interest. Rates depend on the country and credit evaluation. A simulator gives you the estimated payment in seconds to compare scenarios before talking to the committee.
The credit evaluation
The final rate and term depend on the credit profile: payment history, years as a customer, equipment type and its residual value. A good history and an asset with good resale (a supported brand) improve terms. We work with partners like Komatsu Finance, BAC Credomatic, CSI Leasing and commercial banks to find the best option per case.
Minor equipment and furniture: the other path
Not everything is leasing. For light equipment and furniture, payment with a BAC credit card allows up to 12 interest-free installments (Cuotas BAC program, at participating merchants). It's a different tool from heavy-machinery financing — quicker for smaller amounts, without a leasing evaluation process.
Frequently asked questions
What is operating leasing?
A term rental, 100% deductible and off-balance-sheet, with a purchase option at the end. It combines flexibility and deductibility with a path to ownership. It applies to heavy machinery and Bobcat equipment.
How much down payment do I need?
As a reference, from 10–20% of the value depending on the country and asset. The exact down payment depends on the credit evaluation and the financial partner's terms.
Do you finance minor equipment and furniture?
For light equipment and furniture we offer payment with a BAC credit card in up to 12 interest-free installments (Cuotas BAC). It's not leasing; leasing and financing apply to heavy machinery, backhoes and Bobcat.
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