Equip your business. Without an equipment loan.
Industrial machinery, manufacturing tools, restaurant equipment, medical devices, construction gear. Equipment financing locks your balance sheet for 5-7 years at 8-15% APR. A savings club replaces it with a flat-fee structure that builds equity instead of expense.
- No down payment
- No DSCR covenants
- Trust-protected funds
- Half-paymentEase off when the budget is tight, stay in the club.
- FreezePause contributions anytime. No penalty.
- Transfer or exitMove your membership or step out. Your money is in trust.
Why traditional financing falls short here.
Equipment loans are a tax on growth. Lenders demand 10-20% down, lock you into 5-7 year amortization, and reserve the right to call the loan if your DSCR slips. The equipment depreciates faster than the loan amortizes, leaving you upside-down for years. Savings clubs invert that math: you build equity from contribution one, the equipment is yours debt-free, and the next round of growth is funded by the cash flow the equipment generates.
- Equipment loans typically run 8-15% APR, higher than comparable auto loans.
- 10-20% down required on most commercial equipment purchases.
- Loan term often outlasts the equipment's useful life or warranty period.
- DSCR (Debt-Service Coverage Ratio) covenants restrict how you operate the rest of your business.
- Each loan reduces your borrowing capacity for the next round of growth.
HOW IT WORKS FOR EQUIPMENT
Four steps to owning your equipment.
- 1
Identify the equipment.
Specify make, model, and value range. The savings club is structured around the equipment value, not the brand.
- 2
Open one or more clubs in parallel.
Need three pieces of equipment? Open three clubs. There is no DTI calculation, no lender approval, no portfolio cap.
- 3
Receive vouchers as positions are awarded.
Each club delivers a Purchasing Voucher on a predictable cadence. Use it at any vendor or dealer.
- 4
Own the equipment debt-free.
No lien. No covenants. No DSCR audits. The equipment is yours; you continue contributions until your club obligation is fulfilled.
EQUITY FROM CONTRIBUTION ONE
Off your balance sheet, out from under covenants.
A savings club is not a loan, so it does not show on your balance sheet as debt. There is no lien, no DSCR audit, and no cap on how many clubs you run at once.
- Equity from day one. Every contribution builds equity, no upside-down loan window.
- Run multiple clubs. No portfolio cap. Acquire 1, 5, or 50 pieces in parallel.
- Contributions held in trust at US Bank under JHTC.
WHAT YOU GET
The difference.
Any commercial equipment
Manufacturing, restaurant, medical, construction, agricultural, eligible by value bracket.
No down payment
Monthly contributions only. Preserve working capital for operations.
Flat fee, known upfront
No compound interest. Total cost set on enrollment.
Equity from day one
Every contribution builds equity. No upside-down loan window.
Run multiple clubs
No portfolio cap. Acquire 1, 5, or 50 pieces in parallel.
Trust-protected funds
Contributions held in trust at US Bank under JHTC.
THE MATH, SIDE-BY-SIDE
$150,000 in equipment, two ways to pay.
| Equipment loan | Savings.Club | |
|---|---|---|
| Down payment on $150,000 equipment | $15,000 to $30,000 | $0 |
| Total cost over the term | $210,000 to $260,000 | $170,000 to $185,000 |
| DSCR covenants on your balance sheet | Yes | No |
| Lien on equipment | Yes | No |
| Borrowing capacity reduced | Yes | No |
Illustrative: $150K equipment, 7-year term, 11% APR equipment loan vs. flat-fee Savings.Club obligation. Actual savings vary by equipment value and term.
QUESTIONS
Common questions.
Most commercial equipment qualifies: manufacturing machinery, restaurant kitchens, medical devices, construction gear, agricultural equipment, fitness, and IT infrastructure. Eligibility is by value bracket, not category.
Be first in line.
Join the waitlist and we'll email you the moment this club opens in your state.
Available in TX, FL, MA, and CT.