Warehouse & DC Financing
Warehouse & Distribution Center Equipment Financing
Fund a new DC buildout, add automation or expand capacity — racking to robots — with one lease instead of a capital budget fight.
Get a QuoteCall (888) 511-6223
Racking • conveyors & sortation • automation • forklifts • dock equipment • $50K to $5M
Short answer: Warehouse and distribution center equipment financing covers racking, conveyors, sortation, automation, lift trucks and dock equipment over 12 to 60 months, usually with a $1 buyout. Installation and soft costs can often be included, and larger buildouts are funded on financials.
A distribution center buildout is a long list: racking, conveyors, sortation, lift trucks, dock levelers and the systems that tie it together. Financing the whole package as one transaction keeps your cash for inventory and labor while the new capacity starts earning.
Liberty Capital Group finances third-party logistics (3PL) providers, wholesalers, e-commerce fulfillment centers, manufacturers and cold-storage operators, and the integrators who design and install the systems.
Warehouse Equipment We Finance
Storage
Selective, push-back, drive-in and pallet-flow racking, mezzanines, shelving and cold-storage racking.
Conveyors & sortation
Roller and belt conveyors, sorters, spirals, scanners and pack-out stations.
Automation
Autonomous mobile robots (AMRs), AS/RS, goods-to-person and palletizers.
Lift trucks
Forklifts, reach trucks, order pickers, pallet jacks and batteries/chargers (see forklift financing).
Dock equipment
Dock levelers, seals and shelters, vehicle restraints and high-speed doors.
Systems hardware
WMS hardware, RF scanners, label printers, scales and security.
Who We Work With
- 3PL and fulfillment providers
- Wholesale distributors and food distributors
- Manufacturers with in-house distribution
- Cold-storage operators
- Material-handling dealers and system integrators
Warehouse Equipment Leasing & Financing Options
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months. All approvals are on approved credit (OAC); rates and structure depend on credit, time in business and the equipment.
Why Distribution Centers Lease Equipment
Conserve cash
Keep your cash and credit lines for payroll, fuel, materials and growth instead of tying them up in equipment.
Cash flow management
A low capital outlay versus buying outright, with fixed payments you can plan around.
Low, manageable payments
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Inflation buster
Lock today’s price and a fixed payment while equipment and material costs keep rising.
$1 buyout lease-to-own
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Section 179 / 100% deduction
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
How to Qualify
- Application-only approvals are available on many deals; limits vary by credit, time in business, equipment type and industry, so published amounts (commonly up to $250K) are guidance, not a promise.
- Larger deals ($250K and up) usually need two to three years of business tax returns, interim financials and bank statements.
- $0 down is reserved for established businesses: 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments, taxes and documentation fees may still apply and are not a down payment.
- Newer businesses are reviewed case by case, usually with a down payment or additional collateral.
- Specials for well-qualified businesses (OAC): 90-day deferred payments or $99 a month for the first 3 to 6 months.
See our credit guidelines for the full tiers.
How It Works
- Get a quote with the equipment, the vendor quote and the amount. It starts with a soft inquiry.
- Get approved, often the next business day on application-only deals.
- Sign the documents electronically.
- We pay the vendor and you take delivery. Your personal account manager stays with you for the next piece of equipment.
Related Financing
- Warehouse robot & AMR financing
- Forklift financing
- Material handling equipment financing
- Packaging equipment
- Manufacturing equipment financing
- Commercial trailer financing
Warehouse Equipment Financing FAQ
Can I finance a full distribution center buildout?
Yes. Racking, conveyors, lift trucks and dock equipment can be financed together. Larger projects are funded on business tax returns and financials.
Can installation and soft costs be financed?
Often, yes. Installation, freight and integration services can usually be included when they are part of the equipment vendor’s quote.
Do you finance warehouse automation and robots?
Yes, AMRs, AS/RS and other automation systems can be financed, usually with a $1 buyout or FMV lease depending on how long you plan to keep them.
Is $0 down available?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Can used racking and forklifts be financed?
Yes, used equipment can be financed with terms up to 60 months.
What terms are available?
12 to 60 months, with $1 buyout, FMV lease and equipment finance agreement options.
Ready to Expand Your Capacity?
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.