Financing Yesterday’s Assets to Fuel Tomorrow’s Bottom Line

If you’ve been keeping an eye on equipment costs lately, you’ve probably noticed the steep climb and small businesses are feeling the pinch. But there’s a silver lining: the used equipment market is thriving, offering a practical solution for companies looking to stay productive without draining their cash reserves.

Northland Capital provides opportunities to support clients by offering smart, flexible financing options for used assets that will fuel tomorrow’s profits. Let’s break down the numbers and strategies that make the used market worth your attention.

What’s Behind the Demand

The used equipment market is in high demand right now. What’s fueling the growth? New machines are pricey. For starters, a used excavator that sold new for $150,000 might go for $100,000 today and still have years of productive life left.

The financing side mirrors the value: while traditional lenders typically finance a lower percentage of the purchase price, the real win comes from depreciation savings – currently 40% in year one for used versus straight-line 20% for brand new equipment according to IRS estimates.

More importantly, small business owners are choosing cash flow over shiny new models. A 2024 ELFA survey found that 65% of them care more about financial flexibility than equipment age. That’s where Northland Capital stands out offering financing solutions and providing equipment age guidelines that go beyond traditional banks, giving clients the flexibility they need to grow.

Take this example: A contractor choosing a $120,000 used bulldozer over a $160,000 new one could save roughly $50,000 in payments depending on financing terms, that’s money that could go toward fuel or even hiring additional help. In today’s inflationary environment new prices keep climbing and every dollar saved matters more than ever.

Why It Matters Now

Between supply chain issues and labor shortages, waiting months for equipment orders just isn’t an option for many businesses. A 2025 Equipment World report notes that delivery times for new models can stretch six months or more. Meanwhile, used inventory is readily available and often at a significant discount.

Used equipment offers a way to scale up without overextending financially. And for Northland Capital facilitating that deal isn’t just a transaction—it’s a way to build trust and repeat business.

The Bottom Line

The surge in used equipment financing isn’t just a passing trend—it’s a reflection of how small and mid-sized businesses are adapting to today’s economic realities. Northland Capital understands this shift and tailors both lease and finance offers accordingly to turn yesterday’s equipment into tomorrow’s success story.

Now’s the time to get started because in today’s economy, used means smart business. Complete the fields below to request your personalized pricing quote and take the next step to fuel your bottom line.