January 22, 2026
Large Enough to Serve You, Small Enough to Know You
Equipment Finance Corporation (EFC) has been providing long term fixed rate financing for new and used Packaging machinery since 1993. Unlike commercial banks and bank owned finance companies, our financial terms and structures are set based on the parameters which best serve the needs of each individual borrower, not a regulatory agency, allowing us to be a true “Relationship Lender.” We typically provide up to 100% of the total project cost of new and used machinery projects with amortization terms of up to 15 years for new and 5 to 8 years for used equipment. EFC has many financing options to provide maximum flexibility in the current unstable interest rate environment. Future US Federal Reserve Board policy looks “cloudy” at best, with the only constant being mixed signals. Faced with this environment, machinery financing options need to be flexible in order to provide the most advantageous cash flow and the lowest interest cost. In addition to fully fixed interest rate loans, Equipment Finance Corporation is also offering Float to Fixed Finance Program wherein borrowers can utilize a floating interest rate for a period of time with the option to fix the rate at the then market based rate for the balance of the loan term at any time. With this option, borrowers who believe rates will decline can borrow on a floating rate basis until rates drop, then lock-in at a projected lower fixed rate for the balance of the loan term. The option to fix the rate at any time provides protection in the event that rates begin to rise vs. fall since borrowers always have the option to fix the interest rate at any time. Loan financing programs can include early prepayment, annual additional paydown and term adjustment options, allowing our clients to take advantage of the low monthly payments of a long amortization repayment term, while having the options to shorten the loan term later, make additional principal paydown or early prepayment. Therefore, you can have low payments without locking yourself into a long-term commitment. Investment in upgraded equipment is an ongoing requirement for packaging operations in order to satisfy customer demands, improve production speed, capacity & efficiency and to reduce reliance on unreliable labor resources. The need to acquire more efficient, productive and less labor intensive equipment will only increase in the future, as will the cost of machinery. EFC’s almost 40 years of industry knowledge and experience allows us to offer qualified clients structured and extended repayment terms plus financial flexibility not available through commercial banks or bank leasing/finance companies. In addition to loans for newly acquired equipment, we provide debt refinancing to reduce existing loan payments, fix floating rate debt or reduce higher rate debt. With our historical knowledge of the resale value of packaging equipment, our credit requirements are also much more flexible than other institutions’. We do not burden clients with blanket asset liens, restrictive loan covenants and personal guarantees as are typically required by banks and other lenders. You have worked hard for many years to build a strong, successful business. We recognize that and provide lending terms which you deserve based on your financial strength and time in business, not terms determined by federal bank auditors.
