Financing Options

Financing built for how SPF contractors buy equipment

There isn't one right way to finance a spray foam rig. Compare the main paths — owning outright with a loan, spreading cost with a lease, keeping cash flexible with working capital, or financing new vs. used equipment — and pick what fits your business.

Own the rig outright

Equipment Loans

A term loan secured by the rig itself — you own the equipment once the loan is paid off, and the rig typically serves as its own collateral.

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Lower upfront cost

Equipment Leasing (Lease-to-Own)

A lease structure that spreads the cost of a rig over time, often with lower upfront cash requirements and a purchase option at the end of the term.

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For upkeep, not just purchase

Working Capital & Line of Credit

Financing that isn't tied to a specific piece of equipment — useful for rig maintenance, replacement parts, hose and gun repairs, or covering a gap between jobs.

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Both are financeable

New vs. Used Rig Financing

Financing is available for both brand-new rigs from a dealer and used equipment purchased directly from another contractor or a private sale.

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Not sure which fits?

Tell us about your equipment and business — we'll help you compare

Every business's credit profile, cash position, and equipment plans are different. Submit an application and we'll route it toward financing sources suited to your situation.

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Start your spray foam rig financing application

Tell us about the equipment you need and your business, and we'll connect you with financing sources that work with spray foam contractors.

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