Equipment Financing at UBS

UBS Equipment Financing offers tailored financing solutions designed to help corporations, mid-market companies and entrepreneurs acquire the machinery, technology and capital assets they need to grow, modernize operations and maintain competitive advantage. Leveraging UBS’s global banking platform, local expertise and industry-specific insight, our equipment finance programs combine flexible structures, competitive pricing and comprehensive risk management to support investments across manufacturing, transportation, healthcare, energy, IT and other capital-intensive sectors.

What We Offer

UBS provides a broad range of equipment financing products, each structured to meet the cash flow profile and strategic goals of the borrower:

• Lease Financing: Operating and finance leases that preserve balance sheet flexibility and allow for technology refresh cycles.
• Asset-Based Loans: Loans secured by equipment where borrowing capacity is linked to the appraised value of assets.
• Vendor and Dealer Programs: Customized programs enabling vendors and distributors to offer point-of-sale financing to their customers, improving sales conversion.
• Sale-and-Leaseback: Solutions that unlock capital trapped in owned equipment while allowing continued operational use.
• Project and Structured Finance: Tailored facilities for large-scale, multi-asset projects, including currency and interest rate risk mitigation.

Key Benefits

• Preserve Working Capital: Finance equipment without tying up cash, supporting liquidity for operations and growth.
• Flexible Structures: Payment schedules aligned to seasonal and project cash flows, with options for balloon payments, step-up schedules and residual values.
• Predictable Costs: Fixed or hedged rates that simplify budgeting for asset acquisition and total cost of ownership analysis.
• Tax and Accounting Efficiency: Structuring to optimize tax treatment and accounting outcomes based on local regulations and business goals.
• Fast Decision-Making: Streamlined approval processes for recurring vendor programs and standardized assets, backed by UBS credit expertise.

How It Works

The equipment finance lifecycle at UBS is built around clarity and speed. After an initial consultation to understand asset specifications, supplier relationships and the client’s financial objectives, UBS proposes a tailored structure. Documentation is focused on necessary security and performance covenants, with drawdown and disbursement coordinated to match delivery schedules. Ongoing relationship management includes monitoring asset performance, facilitating end-of-term options—such as renewal, purchase or return—and supporting remarketing when applicable.

Eligibility and Target Clients

UBS partners with a wide spectrum of borrowers:

• Large corporates seeking to optimize capital structure or finance strategic capex.
• Middle-market businesses requiring competitively priced asset finance to scale operations.
• Vendors and manufacturers looking to expand sales through embedded finance offerings.
• Project sponsors in need of bespoke structures for multi-asset deployments.

Eligibility is assessed based on credit profile, asset type and lifecycle, vendor relationships and intended use. UBS applies industry-specific underwriting standards to price risk accurately and deliver solutions that support sustainable growth.

Documentation and Requirements

Typical documentation varies by product and jurisdiction but usually includes financial statements, asset schedules, supplier contracts, purchase orders and proof of insurance. For structured and vendor-led programs, additional agreements such as master lease schedules, servicing agreements and subordination documents may be required. UBS works with clients to minimize administrative burden while ensuring robust legal and regulatory compliance.

Risk Management and Asset Expertise

Effective equipment financing requires deep understanding of asset lifecycles, residual value dynamics and secondary market liquidity. UBS combines in-house asset specialists with external appraisal partners to set realistic residual assumptions and recovery strategies. Credit risk is managed through covenants, appropriate security packages and, where necessary, insurance and third-party guarantees. For cross-border transactions, currency, tax and regulatory risks are evaluated and mitigated with hedging and structuring techniques.

Sectors We Serve

UBS has experience across multiple capital-intensive industries:

• Manufacturing: Production lines, robotics and process equipment.
• Transportation and Logistics: Fleets, rail and maritime assets.
• Healthcare: Diagnostic machines, imaging and clinical equipment.
• Energy and Infrastructure: Renewable energy equipment, turbines and grid assets.
• Technology: Data center hardware, servers and enterprise IT systems.

Typical Terms and Pricing

Terms depend on asset type, borrower credit quality and transaction complexity. Tenors range from short-term vendor arrangements (12–36 months) to long-term financing aligned with asset useful life (up to 10 years or more for certain infrastructure assets). Pricing reflects market rates, collateral coverage and structuring costs; UBS seeks to deliver competitive economics with transparent fee and covenant structures.

End-of-Term Options

At lease or loan maturity, clients may choose to:

• Purchase the equipment at a predefined residual or fair market value.
• Renew or extend the lease to continue using the asset.
• Return the equipment for remarketing, enabling upgrade cycles and capital recycling.

Why Choose UBS

UBS combines global capital markets capability with local relationship banking and deep sector expertise. Clients benefit from tailored structures, efficient execution and access to a broad suite of treasury and advisory services supporting total cost optimization and strategic asset planning. Whether financing a single asset or implementing a large-scale vendor program, UBS aims to be a reliable partner throughout the asset lifecycle.

Next Steps

To explore equipment financing solutions, clients typically begin with a consultation to review asset details, financing objectives and timing. UBS then proposes a competitive solution with clear deliverables and milestones. Our approach is pragmatic, focused on aligning financing with operational needs and long-term business strategy.

Equip your business for growth with financing that adapts to the realities of asset-intensive industries—structured, transparent and backed by the expertise of an established global bank.

Address Bank: Zurich and Basel, Switzerland
Bank: UBS
Headquarters: New York City
Products: Loans & Credit
Type: Equipment Financing