We help small businesses purchase the equipment they need.

ACP is a finance company created for the sole purpose of helping small business owners access convenient financing options for the equipment they need.

Three long-time friends and industry experts saw a need going unfilled at the intersection of their three distinct but interrelated fields – refrigeration and vending equipment, retail finance, entrepreneurship – and thus, ACP was born.

Whether it’s a vending machine for an office building or a fleet of refrigerators for a micro-market, ACP is here to help make the equipment a reality.

How it works

We partner with the equipment dealers, meaning our financing solutions are specifically tailored to the equipment you’re interested in purchasing.

We offer two main financing options, leases and loans (EFAs). While both have benefits, many small business customers prefer leases because they can be applied against revenue to lessen the business’s tax liability.

See below to learn about types of leases.

  • Operating Leases

    Operating leases are off balance sheet allowing you to expense 100% of the monthly lease payments rather than taking depreciation.

    The leasing company retains ownership of the equipment and at the end of the term, you have the option to purchase the equipment for the fair market value, return the equipment or continue to rent it.

    If your intention is not to own the equipment and upgrade at the end of the lease term, an operating lease is a great option for you.

  • Finance Leases

    Finance leases, often referred to as Capital leases, do not fit operating lease guidelines and are an alternative finance vehicle.

    With a finance lease, the leasing company retains ownership of the equipment and at the end of the lease term, you have the option to purchase the equipment for $1.00 or some other pre-agreed upon fixed price.

    You cannot expense the monthly payments with a finance lease as you can with an operating lease, but you can take advantage of all of the benefits of ownership including depreciation allowances and Section 179 Tax Deduction.

Available through equipment dealers, ACP Finance is the most simple, convenient option for making your equipment purchase. 

Our involvement is a win-win for all parties: financing helps small businesses make purchases that may not have been possible otherwise, which means that dealers can make sales that may not have been possible otherwise.

Your dealer will provide you with our financing application and, if approved, we will provide you with the terms for the solution you have chosen and been approved for. Your dealer is knowledgeable about our offerings and can answer any questions you may have.