Equipment Financing in 2025: Conditions, Trends, and Strategic Considerations

Financing equipment acquisition is essential for modernizing construction fleets and increasing productivity. In 2025, credit and leasing conditions have undergone significant changes amid rising interest rates and fiscal adjustments.

According to data from the Association of Financial Companies, the average interest rate for financial leasing of equipment ranges between 7.5% and 9% per year, while commercial bank loans carry interest rates between 8% and 10.5%, depending on the borrower's creditworthiness.

Financing terms typically span 3–5 years for new equipment and 2–4 years for second-hand equipment. The minimum down payment required is between 10% and 20% of the equipment’s value, while administration fees range from 0.5% to 1% per year.

Operational leasing is gaining ground, accounting for 18% of the total equipment leasing market, according to a 2024 report, due to its contractual flexibility and the elimination of depreciation risk. In the short term, experts recommend a careful analysis of total financing costs and negotiating terms based on purchase volume.

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