Kentucky is a logistics and manufacturing state: UPS Worldport in Louisville, the Ford and Toyota supply chains, two of the largest EV battery plants in the country, and a bridge program that includes the Brent Spence corridor in Northern Kentucky. It also has a flat 6 percent sales tax with no local add-on, a state Section 179 cap that is far below the federal number, and a weight-distance tax that every carrier over 60,000 pounds has to file.
We place Kentucky files with lenders that fund construction, trucking, farm, and forestry equipment across the state, from a Louisville site-work contractor to a Bowling Green carrier to a western Kentucky grain operation. Options in 24 to 48 hours on a soft inquiry.
Who we finance in Kentucky
What is driving equipment demand in Kentucky
- The Brent Spence Bridge corridor project between Covington and Cincinnati.
- The Mountain Parkway expansion in eastern Kentucky and the I-69 Ohio River crossing at Henderson.
- EV battery plants in Glendale and Bowling Green and the supplier construction around them.
We work with businesses across Kentucky, including Louisville, Lexington, Bowling Green, Northern Kentucky, and Owensboro, and the rural counties in between.
Sales tax and income tax on equipment in Kentucky
Tax rules change and depend on your facts. Confirm with your accountant before relying on any of this.
Trucks, trailers, and titling in Kentucky
- Apportioned registration for interstate carriers through the Kentucky Transportation Cabinet, plus KYU enrollment.
- Off-road equipment is not titled.
Where Kentucky buyers find equipment
We finance equipment from any dealer, auction, or private seller. Dealers and auctions our Kentucky customers use include Boyd CAT (Caterpillar, Kentucky and neighboring states). Get pre-approved before you go so the seller sees a buyer who can close.
Equipment we finance
Excavators · Dozers and loaders · Skid steers · Semi trucks · Trailers · Farm equipment · Cranes and lifts
About financing in Kentucky
Equipment financing in Kentucky is arranged through Land Tech Capital's network of third-party lenders and lessors. Land Tech Capital is a New York based commercial finance broker, not a lender, and does not hold a Kentucky license. Your financing agreement will be with the lender or lessor, who provides any disclosures Kentucky law requires. No fee is charged to you before funding, and we are paid by the lender when a deal closes.
Questions we get
Why is my Kentucky Section 179 deduction smaller than the federal one?
Kentucky keeps a $100,000 state cap and disallows bonus depreciation. You take the full federal deduction, then depreciate the difference over the normal schedule for Kentucky.
What is the KYU tax on a financed truck?
It is an operating tax, not a financing cost. Trucks at 60,000 pounds combined weight or more pay a per-mile rate on Kentucky miles, reported quarterly.
Do you finance equipment for a new Louisville carrier?
Yes. Start-up trucking programs count driving and dispatch experience, with 10 to 20 percent down and a personal guarantee on the first unit.
