Commercial Equipment Financing

Finance Your Commercial Equipment and Start Generating Income!
Financing can ease the strain on your business’s working capital by helping you to retain your available line of credit and cash reserves for emergency needs, cash flow purposes, investments, payroll and construction/expansion costs.

Estimated Payment Schedule
Amount Financed

24 months

$157.50 $225.00 $337.49 $450.00 $674.99 $899.99

36 months

$108.87 $155.53 $233.30 $311.06 $466.59 $622.12

48 months

$84.63 $120.89 $181.34 $241.79 $362.68 $483.57

60 months

$70.13 $100.19 $150.28 $200.38 $300.57 $400.76
Qualifications •FICO 630+ •2+Years Time in Business as Owner/Operator • Active SOS or DBA Filing
Choose from 2 Affordable Monthly Payment Options:

100% Equipment Financing Agreement
*A simple loan to your business that allows you to buy the equipment you need.  Make your payments and at the end of your term, you are done.  Speak with your tax professional to learn about depreciation and interest write-offs available in your state. 


Operating Lease / Lease-to-Own
*Allows 100% of the lease payment to be treated as an operating expense for business income tax purposes.  When the lease term is up, you will have the option to renew the lease, upgrade the equipment, purchase the equipment at fair market value or send it back. (Also called a Fair Market Value Lease - FMV). This option allows you to preserve your borrowing and buying power as the debt of the purchases is carried by the lender which gives you, the business owner, a better-looking asset-to-debt ratio for future loans.

*You may finance the total purchase of commercial equipment, shipping and sales tax, however additional supplies, installation, setup and operating expenses can account for no more than 25% of the total amount financed.

QUESTIONS?  Call 1.800.558.5571

Leaving Universal for Third-Party lending site.

Has your business been in operation under current ownership for less than 2 years?
We have options available for you! Call 1.800.558.5571 to learn more.

Universal Companies is not a lender, and does not make loan offers, however, Universal attempts to pair potential borrowers with our preferred commercial, non-consumer THIRD-PARTY LENDER . Universal Companies is not a lender, does not make credit decisions, broker loans or make short-term cash loans. Universal Companies does not charge fees for these services or collect any residual after- term money. Submitting a request through our preferred third -party lender ’s weblink is offered as a service to connect our customers with a lender with whom our customers have previously transacted. Submitting an inquiry form through the third-party lender’s link does not constitute acceptance or approval for a loan it only authorizes the third-party lender to evaluate your credit information so that they may make an informed decision. This website does not guarantee that completing an inquiry form will result in you being approved for a loan. Credit checks and consumer credit review s may be performed by our preferred third-party lender from credit bureaus to include Equifax, Experian, TransUnion, PAYNET and Dunn & Bradstreet. You are not obligated to use this site and are not obligated to contract with the third-party lender provided. These disclosures are intended for informational purposes only and should not be construed as or considered legal advice.

Shop the Way You Like!

Skip to Top of Page

Please Log In

Logging in will allow you to access all of the features and products offered exclusively to Spa & Wellness Professionals such as Requesting a Catalog, Checking Out and My Account.

Don't have an Account? Create one now.

Not a Spa or Wellness Professional? Visit our consumer site.