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TD Equipment Finance

Count on the professionals at TD Equipment Finance to deliver the creative financing solutions you need, along with highly personal service. We have extensive experience across industries, helping businesses efficiently finance equipment.

Equipment financing that works

  • Conserve capital to grow your business

    Leverage 100% acquisition cost financing to conserve cash for other purposes.

  • Sale–leaseback

    Preserve cash by selling previously purchased assets to TD Equipment Finance and then leasing them back.

  • Manage cash flow with fixed monthly payments

    Tailor fixed payments for your business so you can manage your budget with predictable cash flow.

  • Optimize tax benefits to lower costs

    Tax leases can be offered, providing the most efficient tax outcome that achieves your business objectives.

A customized approach focused on your business

  • Sizable, competitive funding with exceptional service
    Our dedicated team leverages the strength of TD to support you through every business cycle
  • Specialized offerings, deep industry knowledge
    We work with large corporations including municipalities, healthcare and higher education – all with a focus on business specific financing needs
  • Digital tools to manage your financing
    Track lease transactions, view and download invoices, and more with our customer portal

Financing designed to help you grow

With expertise across industries, our dedicated team works closely with businesses of all sizes across the U.S.

  • $10MM

    Construction development company
    Capital lease for new construction equipment.

  • $15MM

    Regional school district
    Municipal lease for energy conservation measures.

  • $40MM

    Non-profit healthcare system
    Tax-exempt lease for EMR system.

  • $85MM

    Large, privately held food company
    Synthetic lease line for railcars and barges.

  • $500MM

    Large, publicly held retail company
    Lease line for trucks and trailers.

Specialized expertise across industries

We offer financing for different types of equipment to a variety of industries – all serviced by dedicated Relationship Managers with extensive asset-class and collateral experience.

Tax-exempt leases and loans supporting a wide range of equipment needs, including energy-savings projects.

Public works: Construction, maintenance equipment and street sweeping

Transportation and public safety: Police cars, school buses, fire trucks and ambulances

Energy savings: Water and lighting conservation equipment, renewable energy equipment and HVAC

IT and office: Computer software and hardware, laptops, furniture and telecommunications/security equipment

We specialize in taxable and tax-exempt lease financing – simpler and quicker than bond financing and better matches equipment useful life. Types of equipment include:

  • Diagnostic equipment and imaging systems
  • LINAC
  • Cardiac cath labs
  • Cancer treatment systems
  • IT systems
  • Robotic surgical systems
  • Endoscopy equipment
  • Furniture, fixtures, hospital Beds
  • Emergency transportation, including ambulances and helivacs
  • EMR and EHR systems
  • Energy savings

Capital to support the industrial sector, including:

  • Construction
  • Food processing
  • Packaging
  • Manufacturing
  • Material handling/warehousing and distribution
  • Medical/pharmaceuticals

Offering Synthetic, TRAC and split-TRAC leases for:

  • Trucks, tractors and trailers
  • Buses
  • Marine vessels
  • Fleet vehicles
  • Rail cars
  • Corporate aircraft
  • Utility vehicles

Customized loans and lease structures for computer and communication equipment needs including software. Loans and leases include:

  • Computers, laptops and servers
  • Furniture and fixtures
  • Telecommunications
  • Software

Financing solutions for your business

Your Relationship Manager will work with you to customize financing options to best meet the current needs of your business including:

  • Lease lines of credit

    A pre-approved lease line utilizing a Master Lease Agreement that makes it easy to draw from and add schedules with limited additional documentation.

  • Capital/finance leases

    Lessee utilizes the tax benefit as the asset is recorded on their balance sheet, choosing from fixed or minimal purchase option ($1.00) at end of the lease.1

  • Fair market value leases (including off-balance sheet)

    Lease can be structured as off-balance sheet for the lessee who has the flexibility to purchase the equipment for its fair market value, renew the lease or return the equipment at the end of the lease. Lessor passes tax benefits to the lessee in the form of a reduced implicit rate.1

  • Tax-exempt loans and leases

    Reduced rates are available to qualified municipalities and other qualified 501(c)(3) non-profit businesses. Lower rates because interest is exempt from federal taxes.

  • Terminal rental adjustment clause (TRAC) and Split TRAC leases

    For qualified over-the-road vehicles where lessor passes tax benefits to lessee and includes a predetermined, fixed end-of-lease purchase option. For Split TRAC leases, the lease can be structured so that a portion of the assets are recorded off balance sheet for the lessee.1

  • Synthetic leases

    Lessee maintains tax benefits and gets off balance sheet treatment – with a pre-determined fixed purchase option at the end of lease.1

Featured insights

Review market trends, developing perspectives and data-driven research across commercial industries and services, including articles by TD's top thought leaders.

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Let's work together

Reach out to your Relationship Manager or request a call.

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1All lease and loan products are subject to credit review and approval. Some credit restrictions may apply. Other terms and conditions may apply.

TD does not provide accounting or tax advice. You are advised to consult with your own accounting or tax professional before accepting any financial product.

TD Equipment Finance, Inc. is a wholly-owned subsidiary of TD Bank, N.A.

The content of this web page is to be used for informational purposes only and is not intended to and does not create any legal commitment or binding obligation on behalf of TDEF.

"TD Securities” is a trademark of The Toronto-Dominion Bank and represents TD Securities Inc., TD Securities (USA) LLC, TD Bank Europe Limited, TD Global Finance unlimited company, TD Financial Products LLC, TD Prime Services LLC, Toronto Dominion (South East Asia) Limited and certain other subsidiaries and branches of TD engaged in investment banking, capital markets and wholesale banking activities.

TD Securities (USA) LLC, TD Prime Services LLC, and TD Financial Products LLC are members of SIPC and FINRA (see FINRA BrokerCheck). Visit our legal page for more information.