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Equipment Financing at Texas Capital Bank

Unlock growth and productivity with flexible equipment financing solutions. Whether you are starting a new project, upgrading critical machinery, or replacing aging assets, Texas Capital Bank provides tailored financing options designed to preserve working capital, support cash flow, and help you maintain a competitive edge.

Why choose equipment financing?

Investing in equipment is essential for many businesses, but large upfront costs can strain liquidity and limit the ability to seize new opportunities. Equipment financing allows you to acquire the tools you need while conserving cash for operations, payroll, and growth. With structured payments and customizable terms, financing turns capital expenditures into manageable operating decisions.

Key features and benefits

• Flexible terms: Choose loan lengths and payment schedules that match equipment life and business cash flow, from short-term to long-term financing.
• Competitive rates: Options include fixed-rate and variable-rate structures to balance predictability and cost efficiency.
• Preserve working capital: Avoid large cash outlays and maintain liquidity for day-to-day business needs and growth initiatives.
• Tax advantages: Depending on local tax rules and accounting practices, interest and depreciation may offer tax benefits that reduce the effective cost of ownership.
• Tailored solutions: Financing is available for a wide range of equipment types, including manufacturing machinery, medical devices, construction equipment, vehicles, technology systems, and specialized tools.
• Quick approval and funding: Streamlined processes help minimize downtime and get equipment put to work faster.
• Preserve credit lines: Equipment financing can be structured to reduce impact on existing revolving credit facilities, maintaining borrowing capacity for operational flexibility.

Types of financing available

Texas Capital Bank offers several equipment financing structures to meet diverse business needs:

• Equipment loans: Traditional term loans that provide ownership immediately, with a fixed repayment schedule and the ability to claim depreciation and potential tax benefits.
• Operating leases: Shorter-term arrangements that allow businesses to use equipment without owning it, often with lower monthly payments and options to upgrade at lease end.
• Capital leases: Long-term lease agreements intended to transfer most risks and rewards of ownership to the lessee, often culminating in an option to purchase.
• Conditional sales agreements: Deferred payment contracts that transfer title after the final payment is made, combining aspects of loans and purchase contracts.
• Vendor and manufacturer financing: Coordinated programs with equipment suppliers to provide integrated financing packages and potential bundled incentives.

Industries served

Financing can be structured to support businesses across a wide range of industries, including:

• Manufacturing and fabrication
• Construction and heavy equipment
• Healthcare and medical practices
• Transportation and logistics
• Energy and utilities
• Technology and telecommunications
• Commercial services and retail

How the application process works

1. Initial consultation: Discuss equipment needs, budget, and business objectives to identify the most appropriate financing structure.
2. Proposal and terms: Receive a customized financing proposal outlining term length, payment schedule, estimated rate, and any collateral or documentation requirements.
3. Documentation and underwriting: Provide standard business financials, equipment details, vendor invoices, and other items needed for credit assessment and asset evaluation.
4. Approval and funding: Once approved, funds are disbursed according to the agreement—direct to the vendor or to the borrower—so equipment can be delivered and installed promptly.
5. Ongoing support: Benefit from account management, payment flexibility options, and assistance with future equipment needs or refinancing.

What lenders typically evaluate

To structure a financing package, lenders generally consider the following factors:

• Business financial performance and cash flow
• Credit history and repayment track record
• Industry stability and equipment usage
• Age, condition, and marketability of the equipment
• Down payment or borrower equity in the transaction

Common questions

Can I finance used equipment?

Yes. Used equipment is often eligible for financing, subject to appraisal, remaining useful life, and marketability. Terms may vary depending on equipment condition and age.

What happens at lease end?

Lease agreements typically allow for several end-of-term options: return the equipment, renew the lease, or purchase the equipment for a pre-determined amount. Options depend on the lease type and negotiated terms.

How does financing affect taxes?

Tax treatment varies by jurisdiction and specific transaction structure. Interest expense and depreciation may be deductible in many cases. Consult a tax advisor for guidance tailored to your situation.

Why partner with Texas Capital Bank

Choosing a knowledgeable banking partner helps streamline acquisition, reduce financing friction, and align capital deployment with strategic goals. With experience across industries and a range of financing solutions, Texas Capital Bank aims to deliver responsive, pragmatic lending that supports business growth and asset management.

Equipment investments drive productivity, open new revenue opportunities, and position businesses for long-term success. Thoughtful financing removes barriers to acquisition and preserves the flexibility needed to adapt to changing market conditions. Leverage equipment financing to modernize operations, expand capacity, and manage capital more effectively.

Make the most of your equipment investments with financing solutions designed to fit your business. Discuss your equipment needs and find a tailored financing approach that supports growth, mitigates risk, and keeps operations moving forward.

Address Bank: Dallas, Texas, U.S.
Bank: Texas Capital Bank
Headquarters: Dallas
Products: Loans & Credit
Type: Equipment Financing