Equipment financing rules change at the state line: sales tax on a tractor, whether the state honors Section 179, how trucks are titled, what the lender has to disclose. Each state below has its own page covering what matters there. Click a state to open it.
States we work in
Alabama Construction, logging and forest products, auto, steel, and aerospace suppliers.See the Alabama pageAlaska Construction, oil and gas services, mining.See the Alaska pageArizona Construction, mining and mining services, trucking.See the Arizona pageArkansas Trucking, agriculture, construction.See the Arkansas pageColorado Construction and site work, oil and gas services, agriculture and ranching.See the Colorado pageConnecticut Construction, aerospace and defense suppliers, marine and offshore wind.See the Connecticut pageDelaware Construction, port and trucking, poultry and agriculture.See the Delaware pageFlorida Construction and site work, trucking and ports, landscaping and tree care.See the Florida pageGeorgia Construction, port and trucking, poultry and row crops.See the Georgia pageHawaii Construction, military construction subcontractors, landscaping and site work.See the Hawaii pageIdaho Agriculture and dairy, construction, logging and forest products.See the Idaho pageIllinois Trucking and intermodal, construction, manufacturing.See the Illinois pageIndiana Trucking and logistics, construction, steel and manufacturing.See the Indiana pageKansas Agriculture, construction, aviation manufacturing suppliers.See the Kansas pageKentucky Construction and bridges, trucking and air cargo, auto and battery manufacturing.See the Kentucky pageLouisiana Industrial and petrochemical construction, oil and gas services, ports and trucking.See the Louisiana pageMaine Logging and forest products, construction and paving, fishing and aquaculture.See the Maine pageMaryland Construction, port and trucking, manufacturing.See the Maryland pageMassachusetts Construction, offshore wind and marine, trucking.See the Massachusetts pageMichigan Construction and demolition, trucking, manufacturing.See the Michigan pageMinnesota Agriculture, construction, mining services.See the Minnesota pageMississippi Logging and forest products, agriculture, construction.See the Mississippi pageMontana Ranching and agriculture, construction, mining and oil and gas.See the Montana pageNew Hampshire Construction, logging and forest products, snow and landscape.See the New Hampshire pageNew Jersey Port and warehouse logistics, construction and site work, landscaping and snow.See the New Jersey pageNew Mexico Oil and gas services, construction, ranching and dairy.See the New Mexico pageNew York Construction and site work, trucking and last mile, dairy and crops.See the New York pageOhio Construction and site work, trucking, agriculture.See the Ohio pageOklahoma Oil and gas services, construction and highways, agriculture.See the Oklahoma pageOregon Logging and forest products, nursery and agriculture, construction.See the Oregon pagePennsylvania Construction and site work, natural gas services, trucking.See the Pennsylvania pageRhode Island Construction, marine and boatbuilding, offshore wind supply.See the Rhode Island pageSouth Carolina Construction, port and trucking, manufacturing suppliers.See the South Carolina pageSouth Dakota Agriculture and ranching, construction, ethanol and ag processing.See the South Dakota pageTexas Oil and gas services, site work and construction, trucking and ports.See the Texas pageUtah Construction, mining and mining services, trucking and logistics.See the Utah pageVirginia Data center and commercial construction, port and logistics, site work and residential.See the Virginia pageWashington Construction, ports and trucking, agriculture.See the Washington pageWest Virginia Natural gas and coal services, construction and highways, logging and forestry.See the West Virginia pageWisconsin Dairy and crops, construction, manufacturing.See the Wisconsin pageWyoming Oil and gas and coal, wind and transmission construction, ranching and agriculture.See the Wyoming page
Outside our current footprint
We do not currently arrange financing for businesses based in California, Iowa, Missouri, Nebraska, Nevada, North Carolina, North Dakota, Tennessee, and Vermont. If your business is there, your dealer's finance arm is the right call for now.
What does not change by state
The processOne application, a soft inquiry to review options, a hard inquiry only when you accept an offer.
The timingOptions in 24 to 48 hours on most files. App-only approvals up to roughly $150,000 to $250,000 without financials.
The federal deductionSection 179 is $2,560,000 for 2026 with 100 percent bonus depreciation. State returns vary, and each state page covers the difference.
One applicationPlaced with the lender that fits the deal and the state.
Questions we get
Why are some states not listed?
Our footprint is the states listed on this page. We add states as our lender coverage expands.
Does the state I buy the equipment in matter, or the state my business is in?
Both. Sales tax usually follows where the equipment is delivered and used, and licensing follows where your business is based. Tell us both on the application.
Can a lender in another state finance my equipment?
Yes. The lenders we place with are national or multi-state equipment lenders. Your agreement is with them, and they handle any state-specific disclosures.
