Financing Solutions

Wisconsin Oven has teamed up with a great finance company to bring you affordable financing solutions and assist you in your purchase. There are several advantages to financing your next equipment purchase including affordable fixed payments, conserving capital, and preserving your credit lines. In addition to the equipment, often times “soft” costs (freight, installation, etc.) can be included in the finance. For more information please contact us at or fill out and submit the application to get started right away!


There are some sound business reasons to finance equipment – let’s examine them in detail…

  • Conserve Capital

    You conserve capital with 100% financing. When you invest the conserved capital in your business and compound the earnings, you offset a substantial portion of the finance payment.

  • Maximize Credit Lines

    When you borrow funds to purchase equipment it often reduces the available lines of credit by a corresponding amount. By increasing liabilities, you decrease available credit. This can severely restrict your firm’s access to working capital. Because finance payments are shown as a footnote on your balance sheet, banks treat these obligations differently. Short term credit is retained.

  • Inflation Can Work For You

    You make inflation work for you, not against you, by paying with tomorrow’s progressively less valuable dollars. If you buy with today’s dollars, the tax dollars you recover tomorrow through depreciation are progressively less useful to you.

  • Expand Your Budget

    You expand your budget by freeing capital funds to build inventory, add space or personnel, or enlarge your business.

  • Level Payments

    Through financing you also protect yourself from fluctuations in the money market. Since most finances are quoted at fixed rates, the payments remain the same throughout the term of the finance. Planning for future growth and development becomes more practical.

  • The Bottom Line

    In a nutshell… lease financing gives you 100% of the proceeds to finance the equipment. A bank loan will usually require as much as 30% of the loan amount be retained by the bank as a down payment. In effect, you only receive 70% of the proceeds of your loan!!

    Financing allows a company to budget its expenses to income. If a piece of equipment produces income or savings as you use it, why pay for those savings before they are realized? Financing allows you to use the equipment while you pay for it. You enjoy a better profit picture when current income covers current expenses. It is the USE of equipment which is productive, NOT its ownership!!

  • Plan For Growth

    Bank borrowing and financing should complement each other. Bank loans are most economical for short-term needs. Leasing is most economical for long-term equipment needs, especially when the equipment depreciates over time. Leasing preserves your bank lines.

  • Maximize Tax Advantages

    You may reduce your current tax obligations. If you treat finance payments as fully deductible operating expenses, they can be subtracted from pre-tax income. With a finance term shorter than the useful life the system, the benefits can effectively reduce your tax obligations. In contrast, your interest and depreciation tax benefits as an owner are typically claimed over a longer time and are less in a given year.

If you have any questions on financing your oven, or would like us to run some preliminary financing numbers, please contact your sales associate for assistance.

Download PDF Application

Financing Calculator