Equipment Finance

Grow your business with flexible equipment financing

From heavy machinery to office technology, we help you get the equipment you need—with terms that fit your budget and goals.

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Equipment financing with Hancock Whitney

Whether your company is looking to expand or wants to upgrade to the latest technology, we offer equipment financing solutions designed to meet you where you are. Our team takes the time to understand your business so you can get the right financing—on terms that work for you.

Lease or Finance Options

Every business has different needs, and your equipment financing should reflect that. Hancock Whitney offers both lease and finance options, giving you the flexibility to choose the structure that best fits your cash flow, tax strategy, and long-term goals.

New or Pre-Owned Equipment

Whether you're investing in the latest technology or want to maximize the value of your equipment acquisition, we have financing available for both new and pre-owned equipment. Hancock Whitney works with businesses across a wide range of industries, from construction and manufacturing to healthcare and transportation.

Competitive Rates & Terms

We offer competitive interest rates and repayment terms so you can acquire the equipment you need without putting unnecessary strain on your working capital and cash flow.

Benefits of equipment financing

Preserve Working Capital

Keep your cash reserves intact for daily operations, unexpected expenses, and growth opportunities instead of tying them up in equipment purchases.

Upgrade to the Latest Technology

Finance equipment on a regular upgrade cycle so your business stays competitive without the burden of large, one-time capital expenditures.

Potential Tax Advantages

Equipment financing payments may be tax-deductible as a business expense. Consult your tax advisor to explore the benefits for your situation.

Flexible Terms & No Down Payment

Align your repayment schedule with your revenue cycle, making it easier to manage payments without putting pressure on your bottom line.

Build Business Credit

Consistent, on-time payments can strengthen your business credit profile, improving your access to financing options as your company grows.

Quick Access to Equipment

Financing lets you acquire critical equipment now rather than waiting to save, so you can take on more work and grow sooner.

Why businesses trust Hancock Whitney equipment financing

Hancock Whitney has been serving businesses across the Gulf South for more than 125 years, and that experience shows in everything we do. As a financially strong, regionally rooted institution, we bring the resources of a major bank and the personal attention of a community lender, so you get the best of both when it comes to financing the equipment your business depends on.

Deep Regional Roots

Throughout Mississippi, Louisiana, Alabama, Florida, and Texas, Hancock Whitney has always been a trusted financial partner for businesses across the Gulf South for generations. We understand the local economy, the industries that drive it, and the unique challenges businesses in our region face.

Financial Stability You Can Rely On

With a track record of stability, Hancock Whitney has the financial strength to support businesses of all sizes. From emerging startups to established enterprises, when you finance with us, you're working with a lender built to be here for the long haul.

Dedicated Business Banking Experts

Our equipment financing specialists don't just process loans, they take the time to understand your business, industry, and goals. That means you get financing solutions tailored to your specific situation, not a one-size-fits-all product.

Financing tailored to your industry

Every industry has unique equipment needs, and a one-size-fits-all approach rarely works. Our equipment financing specialists have deep experience working across a wide range of sectors, so you get solutions that are structured around the way your industry actually operates.

Aircraft & Aviation: Whether you're financing a single aircraft or an entire fleet, we offer specialized solutions for aviation businesses, charter operators, and private buyers across the region.
Maritime: From commercial vessels to offshore support equipment, we understand the unique financing needs of the maritime industry and the businesses that depend on it.
Municipal & State Governments: We work with local and state government entities to provide flexible, cost-effective financing for the equipment and infrastructure that serve your communities, including energy conservation equipment.

Technology: Keep pace with rapidly evolving technology by financing hardware, software, and infrastructure investments without committing large amounts of capital upfront.
Fleet Financing: Whether you operate a small delivery fleet or a large commercial operation, we offer fleet financing solutions designed to help you acquire and manage vehicles efficiently.
Capital Markets: For businesses with more complex financing needs, our capital markets team can structure sophisticated equipment financing solutions that align with your broader financial strategy.

Have questions about equipment finance?

If you'd like to speak with a Hancock Whitney team member about equipment financing, fill out the form and we'll get back to you promptly.

Frequently asked questions about equipment financing

What is equipment financing?

Equipment financing is a loan or lease arrangement that allows businesses to acquire the equipment they need without paying the full cost upfront. Instead, you make regular payments over an agreed term, preserving your working capital for other business needs.

Financing can cover a wide range of equipment types, from heavy machinery and commercial vehicles to technology and office infrastructure, making it a flexible solution for businesses across virtually every industry.
Are equipment financing payments tax deductible?

In many cases, equipment financing payments may be tax-deductible as a business expense, potentially reducing your overall tax liability. The deductibility depends on the structure of your financing arrangement, as lease payments and loan interest are often treated differently under tax law.

Consult your tax advisor to understand how your specific financing structure could affect your business taxes.
How does equipment financing work?

Equipment financing provides funds to acquire the equipment your business needs, which you then repay over a set term with interest. The equipment itself typically serves as collateral for the loan, which can make the approval process more straightforward than other forms of business financing.

Once approved, you can take immediate possession of the equipment and begin using it while making regular payments, allowing your investment to generate revenue as you pay it off.
Can I finance both used and new equipment?

Yes. Hancock Whitney offers financing for both new and pre-owned equipment, giving your business the flexibility to choose based on your budget and operational needs. Financing pre-owned equipment can be a cost-effective way to access quality machinery without the price tag of buying new.

Our team can help you evaluate your options and structure a financing solution that makes sense regardless of whether you're buying new or used.
How does a sale-leaseback work in equipment financing?
What is a buyout option in equipment financing?

A buyout option gives your business the right to purchase the equipment at the end of your lease term, typically at a predetermined price. This is a common feature in equipment leases and gives you flexibility, as you can choose to buy the equipment, return it, or even renew the lease.

Buyout terms vary depending on the structure of your agreement, so it's important to understand your options before signing. Your Hancock Whitney equipment financing specialist can walk you through what to expect at the end of your lease term.

Grow your business with flexible equipment financing

Equipment financing with Hancock Whitney

Lease or Finance Options

New or Pre-Owned Equipment

Competitive Rates & Terms