Equipment Financing
Get the Warehouse You Need Without the Upfront Hit
We work with commercial lenders who specialize in warehouse infrastructure. Finance your racking, mezzanines, installation, and permits with $0 down and predictable monthly payments.
Warehouse equipment financing allows businesses to acquire pallet racking, mezzanines, shelving, and other storage systems through structured payment plans rather than large upfront capital outlays. Financing options typically include leases, equipment finance agreements (EFAs), and municipal leases, with terms ranging from 24 to 72 months.
The Challenge
Capital Budgets Shouldn't Dictate Your Warehouse Capacity
You know you need more storage, but the capital request keeps getting pushed to next quarter. Meanwhile, product is stacking on the floor, pick times are climbing, and you're paying overtime to work around a layout that stopped fitting your operation two years ago. Waiting for budget approval costs more than financing the project today.
We connect you with warehouse-specific lenders who understand racking projects, so approval is fast and terms actually make sense for your operation.
What You Get
Everything Included, No Surprises
$0 Down, Flexible Terms
Finance your full project with no money down: racking, mezzanines, shelving, installation labor, permits, and engineering. Terms run from 24 to 72 months, structured to match your cash flow. Fixed monthly payments mean no surprises.
Fast Approval, Simple Process
Our lending partners specialize in warehouse and industrial equipment. Most applications are approved within 48 hours for projects under $500K. We handle the paperwork and coordinate directly with the lender so you deal with one team, not two.
Section 179 Tax Advantage
Warehouse racking and mezzanines qualify for Section 179 deductions, letting you deduct the full purchase price in the year the equipment is placed in service. Financing lets you take the tax benefit now while spreading payments over time. Most operators don't realize they can do both.
How It Works
A Clear Process, Start to Finish
Project Scoping & Quote
We design your layout, specify the equipment, and deliver a detailed project quote covering racking, installation, permits, and engineering. Same process whether you're paying cash or financing. The project scope drives the number.
Financing Application
Once you approve the project scope, we submit your application to our lending network. You'll need basic business financials, and most established businesses qualify. We match you with the lender offering the best rate and terms for your project size.
Approval & Terms Review
Most approvals come back within 24 to 48 hours. You review the rate, term length, and monthly payment. No hidden fees, no balloon payments. We walk you through the agreement so you know exactly what you're signing.
Project Kicks Off
Once financing is in place, your project moves right into our standard workflow: material ordering, installation scheduling, and permit coordination. There's no delay between approval and boots on the ground.
The Difference
Why Facilities Teams Choose Hammerhead
Preserve Working Capital
A $200K racking project financed over 48 months keeps that capital in your business for inventory, hiring, or other growth investments. You get the warehouse capacity now without draining reserves or drawing on your line of credit.
One Project, One Partner
We don't hand you off to a bank and wish you luck. Hammerhead coordinates the full project, from design and financing through permits and installation, with a single point of contact. The lender funds the project. We deliver it.
Fixed Costs, No Surprises
Locked-in monthly payments make budgeting simple. No variable rates, no escalation clauses, no balloon payments at the end of the term. You know the exact cost from month one through final payment.
Start Earning ROI Immediately
Every month you wait for budget approval is a month of lost capacity, floor-stacked inventory, and inefficient picking. Financing lets you install now and start recovering those costs from day one while paying over time.
Common Questions
Frequently Asked Questions
What types of equipment can be financed?
Pallet racking (selective, drive-in, push-back, flow, cantilever), mezzanines, shelving systems, automated storage, conveyor integration, and related installation labor, engineering, and permit costs. If it's part of your warehouse storage project, it's likely financeable.
What are the typical terms and rates?
Terms range from 24 to 72 months depending on project size and credit profile. Rates are competitive with commercial equipment loans. Most projects qualify for $0 down. We'll present multiple options so you can choose the structure that fits your cash flow.
How fast is the approval process?
Most applications for projects under $500K are approved within 24 to 48 hours. Larger projects or newer businesses may require additional documentation and take 5 to 7 business days. We speed things up by submitting to multiple lenders at the same time.
Does my business need to meet specific credit requirements?
Our lending partners work with a range of credit profiles. Established businesses with 2+ years of operating history and reasonable credit typically qualify without issue. Newer businesses or those with credit challenges may need additional collateral or a personal guarantee.
Is it a lease or a loan?
Both options are available. Equipment Finance Agreements (EFAs) work like loans, where you own the equipment from day one. Fair Market Value (FMV) leases offer lower monthly payments with a buyout at the end of the term. We'll walk you through the tax and accounting differences so you can make the right call.
Can I finance a project that includes installation and permits?
Yes. Our lenders finance the full project scope, not just the hardware. That includes design, engineering, PE-stamped drawings, permit fees, installation labor, and project management. One financing agreement covers everything.
Most of our clients don't realize they can finance the entire project: racking, installation, permits, everything. Once they see the monthly number next to what they're losing in efficiency, the decision makes itself.
Jeff Andrews
CEO, Hammerhead Warehouse Systems
Related Services
Design & Layout
Every financed project starts with a professional layout. We measure your space and produce permit-ready CAD drawings before anything is ordered.
Learn More →
Installation & PM
Once financing is approved, our crew handles the full installation with dedicated project management from first delivery to final bolt-down.
Learn More →
Repair & Maintenance
Protect your investment with ongoing maintenance. We assess damage, source parts, and repair to original load specs.
Learn More →Ready to Finance Your Next Warehouse Project?
Get a project quote and financing estimate with no obligation. We'll show you the monthly number and walk you through your options, no pressure.
Get a Free Consultation