Top Equipment Financing Trends to Watch in 2026

The equipment financing landscape is shifting rapidly. From rising demand and digital transformation to tailored financing options and resilient market conditions, 2026 will bring financing trends that savvy business owners need to understand before making capital decisions. Below are five trends poised to shape equipment financing next year — and what they mean for your business.

Financing Trends to Watch in 2026

1. Demand for Equipment Financing Continues to Grow

Even as broader economic growth remains moderate, capital investment — especially in equipment and software — is projected to stay strong through 2026. According to the Equipment Leasing & Finance U.S. Economic Outlook, real equipment and software investment is expected to increase by about 6.2% in 2026, signaling steady demand for financing capital expenditures.

What this means for borrowers:
Business owners should plan their financing early to secure better terms before demand peaks and competition for capital increases.

2. Flexible Lease and Rental Solutions Gain Traction

Short-term leases and equipment rental financing are becoming more attractive as companies prioritize flexibility and cash flow optimization. Rather than committing large amounts of capital upfront, many businesses are choosing financing products that align with seasonal needs or changing project scopes. As FinServ Marketing Agency states, this trend echoes broader industry shifts toward more adaptable funding structures.

Why this trend matters:
Flexible options help businesses maintain liquidity and stay nimble — especially in uncertain markets.

3. Technology Adoption in Underwriting and Servicing Accelerates

Technology remains a core driver of transformation in equipment finance. Innovations such as artificial intelligence (AI), automation, and digital lending platforms are reshaping how lenders assess risk, onboard borrowers, and manage portfolios. These tools can streamline credit decisions, improve risk assessment precision, and enhance the borrower experience.

Borrower takeaway:
Digital platforms and automation help speed up approvals and reduce friction throughout the financing lifecycle.

4. Strong Market Growth Signals Continued Investment Opportunities

Market data suggest the equipment finance sector itself is not just resilient — it’s expanding. The global market for equipment finance services is projected to grow substantially over the coming years, with an expected size exceeding $2 trillion by 2029, supported by digital transformation, sustainability initiatives, and broader adoption of financing solutions.

For business owners:
A growing finance market can mean more choice, more competitive terms, and greater access to specialized funding products.

5. Economic Signals Show Resilience Going Into 2026

Despite some volatility in the broader economic picture, key industry indicators show stability in equipment financing demand and credit performance. As Morningstar DBRS suggests, steady credit performance for most equipment finance companies in 2026, even as lenders manage exposure and risk.

What this indicates:
Lenders remain willing to finance equipment purchases, especially for borrowers with strong fundamentals and solid business plans.

What This Means for Business Owners

Understanding these trends can help you make smarter decisions when planning your 2026 equipment purchases:
– Start conversations early — Waiting until peak demand seasons can limit your options.
– Explore a range of financing structures — From short-term leases to flexible rental contracts, align terms to your operational needs.
– Embrace digital tools — A smoother application and servicing experience helps reduce uncertainty.

In Closing

Preparing for equipment purchases in 2026 isn’t just about finding financing — it’s about structuring the right solution from the start.

At Truecore Capital, we work with business owners to evaluate timing, cash flow, credit profile, and equipment needs before a purchase is made. Our goal is to hep you secure financing that supports long-term growth — not just a quick approval.

If you’re planning to invest in equipment next year, our team is ready to walk you through your options and help you position your deal for success.

👉 Give us a call at (805) 422-7342 or submit a quick contact form below to get started.

Sources:
– Equipment Leasing & Finance Foundation, “2026 Equipment Leasing & Finance U.S. Economic Outlook,” [https://www.leasefoundation.org/industry-research/u-s-economic-outlook/].
– FinServ Marketing Agency, “Equipment Finance Marketing Research and Statistics for 2026,” [https://finservmarketingagency.com/equipment-finance-marketing-research-and-statistics-for-2026/].
– Biz2X, “How Technology and Automation are Reshaping Equipment Lending,” [https://www.biz2x.com/loan-origination-software/how-technology-and-automation-are-reshaping-equipment-lending/].
– The Business Research Company, “Equipment Finance Service Global Market Report 2025,” [https://www.thebusinessresearchcompany.com/report/equipment-finance-service-global-market-report].