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AP Equipment Financing

Listed
Equipment lessor for equipment financingBend, OregonServes US businesses; availability varies by program and state
BBLL 000605Listed Oct 2026From public recordsLast checked Oct 31, 2026

About

AP Equipment Financing focuses on equipment and specialty vehicles, including arbor, delivery, sanitation and related businesses. Its application-only limits vary by program, and its payment schedule can be tailored to business cash flow.

Equipment lessor. Leases or lends against vehicles, machinery and other equipment.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

ConstructionTrucking and logistics
From the lender's own site and public records.

A second look at AP Equipment Financing

AP Equipment Financing focuses on equipment and specialty vehicles, including arbor, delivery, sanitation and related businesses. Its application-only limits vary by program, and its payment schedule can be tailored to business cash flow.

AP Equipment Financing Inc. is owned by Tokyo Century, which acquired it in 2019. Its website identifies a California finance-lender license and states that loans may be arranged or made under California financing law; confirm the actual funder named in an offer.

Published by Levr, not by AP Equipment Financing. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Equipment finance agreements and leases

Assets and coverage
Financing is offered in all 50 states for a broad range of equipment; specialty areas include arbor, delivery contractors, sanitation and cleaning/restoration.
Project cost
Programs can finance 100% of equipment cost and often additional taxes and installation expenses, subject to approval.
Schedule
The FAQ describes terms typically ranging from three to seven years, often with monthly payments; seasonal structures are also offered.
Documentation limits
FAQ says $10,000–$100,000 can typically be approved on an application alone; certain programs allow up to $250,000 application-only. These are documentation limits, not a universal product maximum.
Costs and timing
Usually first and last payments plus documentation fees are due upfront. Lease commencement follows delivery, operational readiness and customer authorization to pay the vendor.
Ownership
The FAQ describes the lessor owning leased equipment until purchase and EFA ownership at term end. Confirm exact title/security treatment in the offered agreement.

Provider sources: Equipment financing program · Financing FAQ

Parent and legal role

Ownership
Tokyo Century’s acquisition of AP in 2019 is disclosed on AP’s corporate page. This does not make AP a retail bank.

Provider sources: Tokyo Century relationship

When it may fit

Our assessment of the published programs

  • Useful to compare for specialized work vehicles or equipment where seller delivery and seasonal revenue matter.

What to weigh carefully

  • A universal score, minimum revenue and numeric rate were not established by these sources.
  • No universal early-payoff formula was verified; request written examples.
  • Application-only thresholds should not be presented as guaranteed approvals.

Questions before you accept an offer

  1. Who funds and services this agreement?
  2. What are the documentation fee and all advance payments?
  3. When does title transfer and what security interest remains?
  4. What payoff is required before term end?
  5. Which program qualifies my purchase for application-only review?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Stearns Bank

Compare Stearns Bank’s equipment contracts and seasonal payments.

North Mill Equipment Finance

Compare North Mill equipment and commercial-vehicle structures.

Beacon Funding

Compare Beacon for vocational-truck and equipment financing.

The lender

Type
Equipment lessor
Legal name
AP Equipment Financing Inc.
Founded
1998
Charter
Not yet provided Add it
Headquarters
Bend, Oregon
Service area
Serves US businesses; availability varies by program and state
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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