EQUIPMENT LEASING AND FINANCING / VENDOR FINANCING PROGRAMS
Your product is ready.
Your customers are ready.
We structure the deal.
Vendor financing programs for capital equipment manufacturers — lease structures and secured lending arrangements that turn upfront cost objections into closed domestic deals.
WHAT WE STRUCTURE
Vendor Leases - Secured Lending - Program Design - Financing Partner Placement
The right instrument depends on the buyer, the equipment, and the deal. We advise on structure and arrange the financing.
PRIMARY MARKET
Domestic
Commercial & government buyers
ENGAGEMENT
End-to-End
Design through placement
Not every lost deal is a product problem. Some are a financing problem.
THE PROBLEM WE SOLVE
Vendor financing is not just a solution for buyers who can't absorb upfront cost — it's the preferred commercial structure for buyers who have the liquidity but choose not to deploy it that way.
Preserving cash, managing the balance sheet, aligning capital expenditure with budget cycles, and retaining flexibility at end of term are all reasons a well-capitalized buyer will choose a lease or secured lending arrangement over outright purchase.
Three Vectors designs the program, builds the financial models, and connects you with the right financing partners — so you can offer vendor financing confidently from the very first sales conversation.
Lease or secured lending - we advise on what fits.
INSTRUMENT SELECTION
The right financing instrument depends on the buyer profile, the equipment, intended use, and the commercial relationship. We assess the options and recommend the structure that best serves the transaction — then arrange it.
PRIMARY INSTRUMENT
Vendor Lease Programs
The most common structure for capital equipment vendor financing. The buyer uses the equipment over a defined term and makes regular payments, with options at end of term to purchase, return, or renew. For manufacturers, vendor leasing creates a recurring revenue stream, improves deal velocity, and opens the door to buyers who could not otherwise commit to the full purchase price upfront.
Typically the right choice when:
Buyer wants to preserve capital · Equipment has strong residual value · End-of-term flexibility matters · Recurring revenue is a manufacturer priority.
ALTERNATIVE INSTRUMENT
Secured Lending Arrangements
In certain circumstances, a secured loan against the equipment is the more appropriate structure — particularly where the buyer intends outright ownership and the credit profile supports a lending arrangement. Three Vectors structures and arranges secured lending through specialist equipment finance lenders where this is the right fit for the buyer and the transaction.
Typically the right choice when:
Buyer intends outright ownership · Strong buyer credit profile · Long asset life with high residual value · Tax or accounting considerations favour ownership.
From program design to financing placement.
WHAT WE DO
Program Design & Documentation
We design the full commercial structure of your vendor financing program — payment terms, residual values, end-of-term options, credit criteria, and the contractual framework governing buyer relationships. Built to protect your margins, not erode them.
Financial Modeling & Analysis
We build financial models that support the program on both sides — for you: margin analysis, revenue recognition treatment, and impact on your fundraising narrative. For your buyers: total cost of ownership analysis that makes the financing case clearly and compellingly.
Financing Partner Placement & Negotiation
We connect manufacturers with third-party financing partners whose credit appetite, sector experience, and deal size align with your buyer base — and negotiate the terms on your behalf. Equipment finance companies, commercial lenders, and specialist asset finance providers.
Sales Process Integration .
A vendor financing program only works if your sales team can present it confidently. We integrate the program into your sales materials, pricing conversations, and customer onboarding — so financing becomes a standard part of every commercial conversation from day one.
Government & Municipal Procurement
Government and municipal buyers follow procurement processes that differ significantly from commercial deals — budget cycles, approval hierarchies, and payment structures that require specific financing arrangements. We structure programs that align with public sector procurement while protecting your commercial position.
Fundraising Narrative Integration
For manufacturers approaching a capital raise, a vendor financing program is a meaningful part of the investor story — demonstrating recurring revenue potential, market accessibility, and commercial sophistication. We ensure it is coherently built into your Series A or B narrative and data room.
Capital equipment manufacturers ready to close more deals.
WHO WE SERVE
Robotics & Automation
Industrial robots, collaborative automation systems, and autonomous equipment where per-unit cost creates significant commercial friction for mid-market and enterprise buyers.
Vertical Farming & AgTech
Controlled environment agriculture systems and precision farming equipment for operators who need capital-efficient paths to commercial-scale deployment.
Clean Energy & Storage
Solar, battery storage, microgrid, and energy efficiency equipment for commercial, industrial, and municipal buyers navigating capital budget constraints.
Industrial & Manufacturing
Heavy machinery, production equipment, and manufacturing infrastructure where long asset lives and high ticket sizes make vendor financing a natural and expected commercial tool.
Medical Devices & Life Sciences
Diagnostic equipment, therapeutic devices, and laboratory systems where hospital and clinic buyers operate under capital budget constraints and multi-year procurement cycles.
Other Capital Equipment
Any manufacturer selling high-value equipment where upfront cost is the primary commercial objection. If the buyer wants the product but not the full invoice on day one, we can help.
From first conversation to program launch.
THE ENGAGEMENT
DISCOVERY
Understand the commercial reality
We review your equipment, pricing, buyer profiles, and the specific deals you have lost or stalled due to upfront cost. This shapes the entire program — we are not applying a template to your situation.
INSTRUMENT SELECTION
Advise on the right structure
We assess whether a vendor lease, secured lending arrangement, or a combination of both best serves your buyer base — and model the financial implications of each approach before any commitment is made.
PROGRAM DESIGN
Advise on the right structure
We design the full commercial and contractual structure of the program — payment terms, credit criteria, residual values, and documentation — modeled carefully against your margin requirements and revenue recognition needs.
PLACEMENT & LAUNCH
Connect & integrate
We place the program with the right financing partner, negotiate the terms, and integrate the offering into your sales process — so your team can lead with financing from the very first customer conversation.
CASE STUDY
A stalled deal becomes a closed contract.
A robotics manufacturer had a qualified mid-market buyer who had approved the technology through a rigorous internal evaluation — but could not commit to the full purchase price within the current budget cycle. The deal had been inactive for four months.
Three Vectors assessed the buyer profile, designed an operating lease structure with a three-year term and a purchase option at end of term, and placed the financing with a specialist equipment lender. The program launched and the deal closed within 60 days.
The same program was subsequently extended to three additional buyer prospects already in the manufacturer's pipeline — converting a single stalled transaction into a scalable commercial capability.
Four months stalled. Closed within 60 days of program launch.
Manufacturer paid in full at closing by the financing partner.
Buyer returned for two follow-on units under the same financing structure.
Program extended to three additional pipeline prospects.
TIME TO CLOSE AFTER PROGRAM LAUNCH
60 days
From program design to signed contract
PRIOR STALLED PERIOD
4 mo
Deal inactive until vendor financing was introduced
FOLLOW-ON UNITS
2 +
Same buyer, same program, extended relationship
Your product opens doors. We make sure financing doesn't close them.
WHY THREE VECTORS
Equipment leasing and financing is not just a commercial tool — it is a financial strategy decision. How the program is structured affects your margins, your revenue recognition, your balance sheet, and your fundraising narrative. Three Vectors brings CFO-level discipline to every program we design — so the financing works for your business, not just your buyer.
Real transaction experience
We have designed and placed vendor financing programs across multiple sectors and buyer types — not theoretical capability built from templates, but actual programs with actual closed deals behind them.
Access to the right financing partners
Not all equipment finance companies serve all sectors or ticket sizes. We know which partners are the right fit for your buyer base and can place your program with confidence.
Integrated with your financial strategy
As your fractional CFO partner, we ensure the vendor financing program is coherent with your capital raise narrative, revenue model, and investor positioning — not an isolated commercial initiative.
Your product is ready. The right financing program might be too.
GET STARTED
A conversation with a Three Vectors partner costs nothing. If a vendor financing program is right for your business, we will tell you — and show you what the structure would look like for your specific situation.