Financing

At ROMCO, we understand that purchasing equipment is a significant investment. That's why we offer a variety of financing solutions designed to provide the flexibility your business needs.

Our experienced finance team works with a network of industry-leading lenders to create customized financing programs tailored to your operational and financial goals. Whether you're purchasing a single machine, expanding your fleet, acquiring specialized equipment, or replacing aging assets, we can help identify the financing or leasing solution that best fits your business.

Not sure whether financing or leasing is right for your business? Our finance team can help evaluate your goals and recommend the option that best fits your equipment needs and cash flow objectives.

At ROMCO, we offer a variety of financing programs for new and used equipment, including:

• Traditional Equipment Loans – Fixed monthly payments with ownership at the end of the term.

• Used Equipment Financing – Flexible financing solutions for quality pre-owned equipment.

• Low Down Payment Programs – Preserve working capital while securing the equipment you need.

• Seasonal Payment Programs – Payment schedules aligned with seasonal business cycles and cash flow patterns.

• Deferred Payment Programs – Delay initial payments on qualifying equipment purchases.

• Fleet Expansion Financing – Financing options for multiple machine purchases and fleet growth initiatives.

• Municipal and Government Financing – Financing solutions designed for municipalities, counties, utility districts, and other public entities.

• Attachment Financing – Financing available for qualifying attachments and equipment packages.

If leasing is a better fit for your business, ROMCO offers flexible leasing solutions, including:

• Fair Market Value (FMV) Lease – Lower monthly payments with the option to purchase, return, or upgrade equipment at lease end.

• Finance Lease – Designed for customers who expect to own the equipment at the conclusion of the lease term.

• Operating Lease – Ideal for businesses looking for lower monthly payments and equipment flexibility.

• Municipal Lease Programs – Simplified acquisition solutions for government and public-sector customers.

• Technology and Fleet Refresh Programs – Leasing options that provide the flexibility to upgrade equipment as technology advances.

Several factors affect the financing or lease terms your business qualifies for, including:

• Credit History – Your business and personal credit history influence the interest rate and terms a lender offers.
  

• Down Payment – A larger down payment typically reduces your monthly payment and may improve your loan terms.
  

• Equipment Age and Type – New equipment often qualifies for more favorable financing terms than used equipment.
  

• Business Financials – Some financing and leasing programs may require a review your business's financial statements and cash flow to determine your ability to repay the loan or lease.
  

• Time in Business – Companies with established operating histories may have access to additional financing options and more favorable terms.
  

• Equipment Utilization and Application – The equipment type and intended use may impact lender requirements and available financing structures.

Financing your equipment purchase starts with a simple business credit application.

If additional information is required, our finance team will let you know exactly what is needed and help guide you through the process.

We strive to make the process quick and straightforward. To get started, fill out our Confidential Credit Application below.

Finding the right financing solution is just as important as choosing the right equipment. ROMCO's Retail Finance Manager, April Atkins, can help you evaluate financing and leasing options, compare payment structures, and identify programs that align with your business objectives.

• Email: April.Atkins@smt.network

• Phone: (469) 669-5647

Ready to get started? Download a credit application or contact our finance team for a customized finance or lease quote.