Coming Soon
Own your equipment.
Keep your margins.
Equipment is essential to your business, and the way you pay for it should not eat into your profits. With a savings club, every payment builds equity in the asset. Flat fee, no interest charges, all credit profiles accepted, no down payment.
Excavators & Loaders
CAT, Komatsu, Deere
Tractors & Harvesters
John Deere, Case IH, Kubota
The Problem
Equipment financing costs
the businesses that need it most.
Small contractors, farmers, and fleet operators face the worst rates because banks see them as high risk. The equipment depreciates, the businesses are small, and the margins are already thin. Traditional financing makes it worse.
5–36%
APR range
Equipment loan rates vary wildly based on credit. A contractor with a 620 score might pay 20%+ APR on a $200K excavator. That is $100K+ in interest charges over 5 years.
10–20%
Down payment required
Banks want $20K–$40K upfront on a $200K machine. For a small business, that is cash that should be covering payroll, fuel, and materials.
680+
Credit score preferred
Below 680, you are either denied or pushed to alternative lenders charging 15–36% APR. One slow season or late payment and your options disappear.
Lien
On your equipment
The lender holds a lien on your equipment for the entire loan term. Fall behind on payments and they can repossess the machine you depend on for income.
Fast
Depreciation
Heavy equipment depreciates 15–25% in the first year alone. Banks know this, which is why they charge higher rates. You are paying more for an asset worth less.
Hidden
Fees everywhere
Origination fees, documentation fees, late fees, prepayment penalties. The APR is just the beginning. The total cost of equipment financing is always higher than it looks.
The Savings.Club Way
Your equipment should make you money.
Not cost you a fortune to acquire.
Traditional Equipment Financing
- 5–36% APR with interest accruing daily
- 10–20% down payment required
- 680+ credit score preferred by most lenders
- Lender holds a lien on your equipment
- Hidden fees: origination, documentation, late, prepayment
- Total cost: often 1.5–2x the equipment price
Savings.Club Equipment
- Flat fee. Known upfront. No interest charges.
- No down payment required
- All credit profiles accepted to join.
- Total cost is transparent from day one.
- We place a lien on the equipment, same as any lender.
- Total cost: 30–50% less than any lender
Equipment Types
From excavators to combines.
One model for all of them.
Excavators & Loaders
$100K – $500K+
Cat, Komatsu, Volvo, Deere. The machines that move earth and build foundations.
Bulldozers & Graders
$150K – $800K+
Site prep, road building, land clearing. Heavy iron for heavy work.
Cranes & Lifts
$200K – $2M+
Mobile cranes, tower cranes, aerial lifts. Reach higher, build bigger.
Tractors & Harvesters
$80K – $600K+
John Deere, Case IH, New Holland. The backbone of American agriculture.
Commercial Vehicles
$50K – $300K+
Box trucks, flatbeds, trailers, dump trucks. Keep your fleet moving.
And More
Any equipment
Concrete pumps, generators, compressors, forklifts. If your business needs it, we plan to cover it.
The Market
A $167 billion industry. Growing every year.
Construction, agriculture, logistics, and manufacturing all depend on heavy equipment. A $167B market where equipment financing rates average 9–15% APR. That is where we come in.
$167B
Construction equipment market (2025)
$284B
Projected market by 2034
6%
Annual market growth rate
36%
Max APR for weak credit
Sources: GM Insights, CSG Talent, NerdWallet (2025–2026)
Who This Is For
Built for the businesses that build everything else.
Construction
$250K excavator
Win the contract, then acquire the machine. No 20% down payment. No credit history requirements. Your Savings Score determines priority, not your years in business.
Agriculture
$400K combine harvester
Seasonal income makes you a 'risky borrower' to banks. Savings.Club's flat fee does not change based on your last season's yield or commodity prices.
Trucking & Logistics
5-truck fleet at $80K each
Build your fleet truck by truck without commercial loan rates eating your margins. Each vehicle in its own club, each building equity from payment one.
Landscaping & Services
$75K skid steer + trailer
Banks see small-ticket equipment as not worth their time, pushing you to high-rate alternative lenders. Savings.Club treats a $50K skid steer the same as a $500K excavator.
Early Advantage
The sooner you join, the sooner you benefit.
Waitlist members who join early start building their Savings Score before anyone else. When equipment clubs open, they'll be at the front of the line.
Priority Access
Early waitlist members get first access when equipment clubs open. Your Savings Score starts building from day one, giving you a head start over everyone who joins later.
Best Position
Members are assessed monthly on the 15th based on their Savings Score ranking. The earlier you start contributing, the higher your ranking when purchasing vouchers become available.
Plan Your Fleet
Knowing your equipment needs in advance lets you join the right clubs at the right time. Start planning now and be ready to acquire when clubs open.
Your equipment builds equity while theirs drowns in interest.
Traditional equipment financing requires a large down payment and charges interest that keeps you underwater for years. With Savings.Club, your savings phase means the equipment has not depreciated while you are building your position. The flat fee structure means you build equity faster and keep more profit on every job.
$1,083/mo
Savings.Club monthly vs. $1,890/mo traditional (plus $15,000 down payment)
$13,400
Total savings over the life of the obligation. Reinvest in your next machine.
30%
SC members reach positive equity at 30% of term. Traditional borrowers wait until 50%.
Equipment Loan vs. Equipment Savings Club
Stop letting equipment financing eat your margins. See the real numbers.
Example: $200,000 excavator, 96-month term
FAQ
Questions about aircraft clubs.
We are building the infrastructure now. Join the waitlist to be first in line when aircraft clubs launch. Early waitlist members will get priority access and start building their Savings Score (your activity-based ranking that determines when you receive your asset) before anyone else.
We plan to support light sport aircraft, single-engine piston, multi-engine piston, turboprops, light jets, and eVTOL vehicles as they become commercially available. New or pre-owned. Our goal is to be manufacturer-agnostic.
Traditional aircraft loans charge interest that accrues daily, require 15–20% down payments, demand excellent credit, and place a lien on the aircraft. Savings.Club uses a flat fee model with no interest charges, all credit profiles accepted, no down payment. We also place a lien on the aircraft, same as any bank, but the total cost can be 30–50% lower.
When aircraft clubs launch, we plan to offer refinancing options. If you currently have an aircraft loan with a high rate, you could potentially join a club, build your Savings Score, receive a purchasing voucher, and use it to pay off your existing loan at a fraction of the cost.
Savings.Club covers the acquisition cost of the aircraft. Ongoing operating costs like annual inspections, engine TBO reserves, insurance, hangar rental, and fuel are the owner's responsibility. However, by saving 30–50% on the purchase itself, you free up capital for these ongoing expenses.
Every common fund contribution goes into a legally separate, irrevocable trust managed by an independent trustee. The trust's bank account is held at US Bank, which is FDIC-insured. Savings.Club cannot access, redirect, or use your funds for any purpose other than member benefit. An elected Member Governing Board provides additional oversight.
Yes. Members can convert their savings club membership to a different asset type by contacting Savings.Club. Your contributions and position carry forward. This gives you flexibility if your plans change.
Available Now
Cannot wait? Start with what is open today.
Vehicle, commercial real estate, and savings clubs are accepting members now. Start building your Savings Score today.
Be first in line when equipment clubs open.
Join the waitlist today. Early members get priority access, start building their Savings Score first, and will be at the top of the ranking when purchasing vouchers become available.