Skip to the main content.

Smarter Finance USA Blog

Smarter Finance USA Educational Resources

Educational articles on business financing that get you what you really need. Sign up today.


2 min read

3D Printer Financing

3D printing is a big industry.

The market for 3D printing worldwide was $13.84 billion in 2021 and is expected to grow at 20% annually through 2030.

If you’ve considered a 3D printing solution for your business, you probably want some specifics.



Read More
2021 Section 179 Limits (+Bonus Depreciation) – How Much Can You Save

3 min read

2022 Section 179 Limits (+Bonus Depreciation) – How Much Can You Save?

Did you buy equipment for your business in 2022?

Did you know you may be able to write the entire purchase off immediately? (There’s still time before the end of the year… but many assets are hard to get your hands on right now. Don’t snooze or you might...

Read More

3 min read

5 Critical Factors to Renegotiating Payables with Suppliers

Doing business in a pandemic...

… really sucks for (most) businesses.

In 2020, almost every business’ plans changed.

Maybe you went from growing your business to just trying to figure out how to stay in business.

(You wouldn’t exactly be alone…)

So… how...

Read More

3 min read

Can You Finance or Lease Social Distancing Equipment?


Have you been to a store lately?

… you may notice things have changed.

Plexiglass sneeze shields, dividers to make sure we don’t touch each other… etc.

Soon, most businesses will have to retrofit their workplaces.

Here’s the thing –

Your business has...

Read More

4 min read

Equipment Leases with Quarterly Payments: Don’t Get Flim-Flammed


Today we’re going to talk about a scam.


I mean it.

Totally bogus shenanigans

Well, on rare occasions…  not 100% bogus…

…but be really careful…

Note: You may read this article or you may listen to it. 

You can find links to download the audio to...

Read More

5 min read

Should You use Direct Lenders for Equipment Leasing and Financing?



You may read this article... or if you prefer you may listen to it. 

You may listen by clicking in the box below... or on iTunes, Google Play, and Stitcher (just search for the "Smarter Business Finance Podcast")

Are you looking for equipment...

Read More

3 min read

5 Crucial Steps to Finding the Best Equipment Financing Company


Have you Googled around for equipment financing?

Seen any jokers proclaiming themselves to be the “#1 Best Equipment Financing Company?”

Who proclaimed them that?

Was there a vote?

Already seems like a company to avoid, doesn’t it?

Let’s talk about how...

Read More

10 min read

How To Finance a Construction or Contracting Business [New Podcast]


Welcome to episode #6 of the Smarter Business Finance Podcast.

To see all episodes,  visit the main podcast page

You may find this podcast on your phone by going to iTunes, Google Play, or Stitcher and searching for "Smarter Business Finance."


Read More

2 min read

What is Interim Rent on an Equipment Lease?



So, you’re in the middle of leasing equipment for your business.

And, looking at the paperwork, you notice an “extra” amount that you have to pay.

What is this “interim rent” charge?

Many of our customers wonder if it’s just a way to squeeze extra...

Read More

4 min read

How Much Does Printer Leasing Cost?


Are you buying (or selling) printing equipment?

We get lots of calls from copier and/or printer salespeople.

You see…

They don’t get paid unless customers can buy equipment.

That can mean calling dozens of printer leasing companies to find...

Read More

4 min read

What are Fair Market Value (FMV) Equipment Lease Buyout Options?


Do you need to finance some equipment?

I bet you're annoyed with all the jargon that you see.

If you're on someone's website, or talking to a leasing professional...

... they assume you're a lawyer or accountant with all the geeky words they use.


Read More

3 min read

Car Wash Financing: What Loans & Equipment Leasing Options are There?


Do you own, or are you starting a car wash?

If so, you probably know two things:

  1. Car washes can be very profitable
  2. Running, building, or buying a car wash means you need access to significant capital.

So, where is all that money going to come from?

Read More

3 min read

How To Qualify for Medical & Aesthetic Laser Financing


Are you looking to finance or lease a laser machine?

Here's the first question you'll be asked:

"Medical or non-medical?"

The reason is simple:

Non-medical lasers show up on the "restricted list" for probably 80% of equipment financing sources.

Do you...

Read More

3 min read

Brewery Equipment Financing: Rates & How To Qualify


Are you looking online for brewery equipment financing?

Do you want to get real information before picking up the phone?

I mean, maybe it's just some joker who is fixing to lie to you, right?

Man, oh, man...

When you enter that search into Google, you...

Read More

6 min read

Food Concession Trailer Financing: How to Qualify for a Loan

Have you always dreamed of starting your own restaurant, but know you'll never be able to come up with half a million dollars to do it?

Concession trucks and trailers can get you in business for about a tenth of the cost of starting a restaurant.  


Read More

7 min read

Food Truck Financing: How to Qualify to Lease a Food Truck

Food trucks are awesome.

Maybe you are considering entering the food truck business for one simple reason: startup costs and operating expenses for a food truck are a fraction of the costs to open and run a restaurant...

The problem: you probably don't...

Read More

10 min read

15 Ways to Access Small Business Startup Loans

Are you thinking about starting a business, or have you recently started a new venture? 

You certainly aren't alone. In fact, 543,000 small businesses are started in the United States every month

That's the good news. Less good: half won't make it...

Read More

4 min read

Who are the Best Equipment Leasing Companies?

There are hundreds of equipment leasing companies in the US.

We detail a lot about problems with many of the companies out there, but many leasing companies are fair, honest and straightforward.

We deal with many of the best equipment leasing companies,...

Read More

2 min read

X-Ray Machine Leasing - What are the Costs?

Do you need to finance (or lease) X-ray Equipment?

Your first question may be...

"What are the payments?"

Here are some answers:

Read More

3 min read

How much are Medical Equipment Financing Rates?

Do you need to purchase equipment for your medical practice?

I bet you're not planning to pay cash, right? 

MRI machines, lasers, physical therapy equipment, -totally not cheap.

Most of the time, you'll end up financing or leasing your equipment.


Read More