FEATURED FINANCING STORY
INDUSTRY
Construction / Aggregate Processing
FINANCING AMOUNT
$900,000
PRIMARY BUSINESS OBJECTIVE
Convert high-utilization rental equipment into owned production assets to improve margins and control scheduling
EQUIPMENT FINANCED
Powerscreen jaw crusher and portable conveyor system
STRUCTURE
60-month FMV lease
KEY COMPLEXITY
Two-year operating history with a larger equipment request; equipment already deployed on active customer contracts and generating measurable rental expense
BUSINESS IMPACT
Converted recurring rental expense into owned production assets, reducing monthly cost, improving margins, and giving the contractor greater control over scheduling and production capacity.
Source: NFS Capital closed transaction data. Company name and identifying details not disclosed.
This wasn’t a business that grew by accident. The founders of this Midwest crushing company made a deliberate choice from day one: rent the equipment, win the contracts, prove the business, and convert the highest-utilization assets to ownership as cash flow allowed. Decades of crushing industry experience informed every step.
By 2025, the strategy had worked. The company had reached $7.4 million in annual revenue in just two years of operation. A primary-production jaw crusher and a system of portable material-handling conveyors were working full-time on active customer contracts, generating real, measurable rental expense every month they remained rented.
NFS Capital structured $900,000 in financing on a 60-month FMV lease for a Powerscreen jaw crusher and a portable conveyor system.
The Powerscreen jaw crusher and conveyors weren’t speculative assets. Both were already deployed and generating revenue under active customer contracts. NFS evaluated what the equipment was actually producing in the business, and structured financing around that reality rather than around years of operating history.
Converting from rental to ownership immediately changes the economics. The monthly cost drops. The margin on every contract that machine works expands. That’s what makes this more than an equipment purchase — it’s a structural improvement to the business.
With the equipment owned, the company controls its own scheduling. No rental availability constraints. No recurring rental costs on assets it uses every day. The production capacity is on the balance sheet, and so is the margin it generates.
The business story was clear: equipment already generating demonstrated cash flow under active contracts, strong borrower support, and a business that had proven what it could do in two years of operation. NFS underwrote the proof, not the calendar.
Not every financing decision should start with the number of years in business. Sometimes the right question is: what is this equipment already doing, and does this business have the cash flow to support the payments? Here, both answers were clear.
For equipment-intensive businesses, renting and owning the same asset produce very different economics. When equipment is already deployed and generating revenue under active contracts, that track record can support a strong financing decision, even for a company that hasn’t been operating long. Convert the asset, capture the margin, and let the improvement compound. The earlier a growing business makes that move, the better.
NFS CAPITAL
Many conventional lending processes rely heavily on years in business and historical financials, which can make a larger equipment request harder to evaluate even when current contracts and cash flow support it.
NFS Capital reviewed the equipment already working on active customer contracts, demonstrated cash flow, borrower support, collateral value, and the business case for converting high-utilization rentals to ownership.
When equipment is used every day, ownership can reduce recurring rental costs, improve contract margins, and give the business more control over scheduling and production capacity.
If your business needs financing for construction equipment, aggregate processing equipment, high-utilization rental equipment, or a growth-stage equipment need supported by contracts and cash flow, NFS Capital can help determine whether your transaction is a fit.
