Financial Options

Plenty of Flexibility and Choice

Manitowoc Finance offers a wide range of financing and leasing solutions designed to meet varying business and worksite needs. Typically terms range from 24 to 84 months depending on the cost and type of equipment. Some of our most popular financial products are featured below.

Full Payout Loan
With a Full Payout Loan, your company has fixed payments over the term of the contract while building ownership equity in the equipment over time.

Features Benefits
  • Level monthly payments
  • Depreciation and interest deductions claimed by borrower
  • Payment of equipment over time
  • Fixed costs aid budgeting
  • Borrower takes full advantage of tax benefits
  • Conserves working capital

Fixed Price Purchase Option
With an Fixed Price Purchase Option, your company may purchase the equipment at the end of the term for the amount specified at the beginning of the term or return the equipment to Manitowoc Finance.

Features  Benefits
  • Level monthly payments
  • Option to purchase for a fixed price
  • Payment of equipment over time
  • Fixed cost aids in budgeting
  • Operational ownership
  • Conserves working capital
  • Pay only for equipment use

Tax or True Lease (Fair Market Value)
An operating lease in which your company may purchase the equipment for a fair market value at lease end, extend the lease or return the equipment to Manitowoc Finance.

Features  Benefits
  • Level monthly payments
  • Option to purchase for market price
  • Lessee may claim payments as expense
  • (subject to advice of counsel or accountant)
  • Pay only for equipment use
  • May provide planned replacement
  • Fixed costs aid budgeting
  • Operational ownership
  • May provide tax benefits and minimize or negate impact of AMT
  • Conserves working capital
  • At term end, equipment may be replaced with new unit
  • Lower monthly payments


Early Buyout Lease
With an Early Buyout Lease, your company experiences the benefit of a Tax or True Lease (FVM) and having a one-time option to purchase the equipment at a stated amount.

Features  Benefits
  • Level monthly payments based on FVM residuals
  • Option to purchase for a fixed price prior to end of lease term
  • Lessee may claim payments as expense (subject to advise of council or accountant)
  • Conserves working capital
  • Pre-determined purchase option 
  • Tax/True Lease Treatment
  • May provide tax benefits and minimize AMT
  • Option to return equipment at end of lease term

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