Multi-Unit Scissor Lift Package Financing

Finance multi-unit scissor lift packages: mixed height, mixed terrain, new and used in one deal. $50k minimum, application-only to $400k, close after file completion.

Ten scissors going to the same jobsite are ten different line items only if your lender makes them that way. We do not. A package deal is one transaction: one application, one approval, one payment per month, regardless of whether the order mixes 19-foot slabs with 32-foot rough-terrain units, combines new and used machines, or includes batteries and attachments on top. That is what package financing means in practice, and it is how most large orders should be structured.

The mechanics behind this matter to the buyer. Submitting ten separate financing applications for ten lifts creates ten credit inquiries, ten separate underwriting reviews, ten sets of paperwork, and ten funding timelines that may not align. A single package transaction avoids all of that. One review, one structure, one close date, and the entire order funds together so delivery can be coordinated and the crew goes to work.

Our minimum is $50k. A package order almost always reaches that floor, and the sweet spot for package deals is $100k to $150k and above, which is right where a five- to eight-unit mixed order of mid-range scissors lands. Application-only approval to $400k applies to packages the same as individual units. For packages exceeding $400k, we bring in additional documentation but the process still moves faster than a conventional bank structure.

Who Buys Package Deals

General contractors mobilizing for a large commercial build are among the most common package buyers. A hospital shell, a multi-story office fit-out, or a data center construction project may require interior scissors for MEP rough-in work, higher-reaching units for structural work, and rough-terrain decks for site work around the building perimeter. Specifying the whole package upfront and financing it as one deal is simpler than assembling lift-by-lift over the course of the project.

Equipment rental companies building out a new yard or expanding an existing AWP inventory often come to us for package deals. A rental operator entering a new market may need an initial fleet of 15 to 20 mixed-height scissors to support the range of customer requests they expect to receive. Financing that opening inventory as a package gets the yard operational faster and keeps cash liquid for operating expenses during the ramp period. Operators who want to understand how fleet-specific deal structures work can read more about rental-fleet scissor lift financing and the full options around scissor lift fleet financing.

Facilities management organizations and large property management companies that operate across multiple buildings also use package deals. A property management company overseeing a commercial real estate portfolio may assign one scissor lift per building to the in-house maintenance team, and buying that whole assignment as a funded package is cleaner than one unit per building financed separately.

General contractors equipping a large project mobilization
Rental yards establishing or expanding AWP inventory
Property managers buying per-building maintenance equipment
Specialty contractors standardizing a company-wide lift fleet
Manufacturing plants adding scissor access to multiple production areas

Mixing Specs in One Package

A package deal does not require uniform equipment. We fund mixed orders regularly, and the structure accommodates different heights, different drive classes, and different conditions (new vs. used) in the same transaction.

A typical mixed package might include:

Four 19-foot slab electric units for interior partition work and lighting
Four 26-foot slab electrics for MEP rough-in and ceiling plenum access
Two rough-terrain scissor lifts for exterior site and structural work

The combined order finances as a single deal against the total invoice. The lender holds a blanket security interest in all units, which is standard for multi-unit equipment transactions. At payoff, clear title to all units transfers together.

Mixing new and used in one package is also common. A contractor might want two new high-spec units for precision finish work while filling out the rest of the order with used ex-rental machines that are adequate for rough work. We fund those mixed packages without splitting them into separate deals.

For rental yards that want to include accessories and battery packages with the fleet order, those line items can be rolled into the same transaction. A package that includes the lifts, charger systems, and jobsite attachment kits is funded as one deal. That approach is cleaner for the buyer and often produces better financing terms than treating accessories as a separate soft-cost transaction.

How Package Deals Are Priced

Package deals in our sweet spot of $100k to $150k and above typically qualify for multi-unit pricing structures that are not available on individual unit purchases. Volume does not automatically produce better rates in equipment finance the way it might in a dealer discount, but a larger transaction generally opens up a broader lender pool, which creates competition on terms.

Term length on a package deal is set by the equipment type (slab electric vs. rough-terrain), new vs. used status, and the buyer's financial profile. New slab electrics in a package can support 48 to 72 months depending on the deal. Used or refurbished units in the same package may carry shorter terms. When a package mixes conditions, the deal is structured around the lowest common denominator in terms of equipment age unless there is a compelling reason to do otherwise.

For buyers thinking about the payment structure, a scissor lift equipment lease on a package deal can keep monthly payments lower than a purchase loan by not amortizing the full residual in the monthly payment. The trade-off is that the buyer does not hold title during the lease term and faces a residual payment or return decision at term end. A scissor lift equipment loan gives clean ownership on payoff with no residual question. The right structure depends on how long you plan to run the machines and what your depreciation strategy looks like.

Section 179 can be a meaningful factor in a package purchase. Expensing a large package deal in the year of purchase rather than depreciating over five to seven years reduces taxable income significantly. A $300k package deal fully expensed under Section 179 in the year of purchase is a different financial decision than the same deal depreciated. Your accountant runs those numbers for your specific situation.

Getting a Package Deal Done Without the Bank Delay

Package deals under $400k run on the same timeline as individual unit transactions: application, three months of bank statements, one business day for a credit decision, funded inside one to two weeks. The fact that it is a package does not add process steps below the $400k threshold.

Above $400k we add a financial statement review, but the package structure still moves faster than a conventional bank transaction because we are accessing specialty equipment lenders who underwrite to equipment collateral rather than running the full commercial credit process. A package deal that a conventional bank would take 60 to 90 days to approve typically closes in two to three weeks through our process.

Dealer coordination is part of what we manage. If the package is sourced from a single dealer, we coordinate the funding directly with the dealer's receivables process. If the package combines units from multiple sources (a dealer order plus an auction purchase plus a private-party transaction), we fund each source component and coordinate the delivery timing so the buyer is not sitting with half a fleet while the other half is still in paperwork.

Get Your Package Deal Quoted Today

Send us the unit count, the height mix, new or used, and any accessories in the order. We quote multi-unit packages the same day and fund inside two weeks. One deal. One payment. The whole fleet.

Questions operators ask

Clear answers before the lift moves.

Open a question for the practical details on equipment, documents, timing, and structure.

Can I finance a package that combines units from multiple vendors or sources?

Yes. A package that pulls from a dealer catalog, a used equipment dealer, and a private seller can be structured as one transaction. We coordinate with each source and fund each component so the whole order closes together. It adds a small amount of coordination work but the buyer still ends up with one payment.

Does a larger package deal get better terms than a single-unit purchase?

A larger transaction opens up a broader lender pool, which creates more competition on terms. That does not guarantee a lower rate, but it typically means more structural flexibility (longer terms, lower down payment requirements) than a smaller deal from the same buyer profile.

We are buying 20 units. Does the application-only limit still apply?

Application-only to $400k applies to the total transaction. A 20-unit package that totals below $400k qualifies for application-only. Above that threshold, we bring in financial statements, but the process is still faster than a conventional bank review.

Can we include training, delivery, and commissioning costs in the package financing?

Soft costs like delivery and training can sometimes be included in the financed amount when they are on the same invoice as the equipment. The ratio of soft costs to hard equipment value matters; very high soft-cost percentages affect deal structure. We review the full invoice and tell you what qualifies.

We had a slow year 18 months ago and our financials show a loss. Will that kill a package deal?

A single bad year that has since recovered is not automatically disqualifying. We underwrite on bank statement cash flow and the business's current trajectory, not just a prior-year tax return. If the bank statements show consistent revenue in the trailing three months, there is usually a workable path forward.

Is there a maximum number of units we can finance in one package deal?

There is no unit count limit. The limiting factor is the total transaction size and the buyer's financial profile. Large package orders above our $400k app-only threshold require financial statements, but unit count itself is not a ceiling.