By Alliance Capital Advisors · November 13, 2026
Start with a purchase schedule. A single machine delivered at closing presents a different financing need from several vehicles or machines delivered over the next year. List equipment costs, deposits, taxes, delivery, installation and the working capital needed before the assets begin earning.
A term loan typically funds a defined purchase and establishes a repayment schedule. A CapEx draw facility provides access to an agreed limit for qualifying purchases during a defined availability period. Confirm the conditions for each draw, any unused fees, and when principal repayment begins. A CapEx facility is not automatically a revolving line with reusable availability.
Ask how the lender treats used equipment, vendor deposits, installation and progress payments. Confirm the collateral, guarantees, useful-life assumptions, advance limits and any equity contribution in the actual proposal. The approved limit and the cash available for a particular invoice are different questions.
Compare payments with a realistic delivery and ramp-up schedule. An asset arriving late or earning less than expected still creates a cash obligation. Keep room for payroll, inventory, repairs and existing debt payments.
Alliance helps organize the full purchase budget, evaluate financing structures and coordinate lender questions. Start with vendor quotes, a delivery schedule, recent financial statements and a current debt schedule. Terms and availability depend on the borrower, assets and lender.