Identify the equipment.
Specify make, model, and value range. The savings club is structured around the equipment value, not the brand.
Equipment Savings Clubs
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.
See My Buying PowerWhy 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 savings clubs.
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.
Receive vouchers as positions are awarded.
Each club delivers a purchasing voucher on a predictable cadence. Use it at any vendor or dealer.
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.
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.
Metric
Traditional financing
Savings.Club
Down payment on $150,000 equipment
$15,000 – $30,000
$0
Total cost over the term
$210,000 – $260,000
$170,000 – $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.
Common questions.
What equipment categories qualify?
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.
Can I use the voucher with a specific manufacturer?
Yes. Vouchers redeem at any authorized dealer, distributor, or direct manufacturer for the equipment you want. No vendor lock-in.
How does this work for my CPA?
A savings club is not a loan, so it does not show on your balance sheet as debt. Your CPA treats club contributions as the operating commitment they are. We provide a documentation package for your accountant.
Can I run a club for multiple pieces of equipment?
Yes — open one club per piece, or one club for a multi-equipment package by value bracket.
What about used equipment?
Yes. Vouchers redeem on new or pre-owned equipment of equivalent value.
Ready to see your numbers?
Run the calculator or talk to a Savings Expert about your specific situation.