Finance Products

Wabash Financial Services provides attractive financing solutions for obtaining the equipment you need for your business. We deliver competitive finance products and structure transactions to meet your needs – one-stop shopping: fast, easy, and convenient.

Finance Options
True Lease (Fair Market Value)

With a True Lease the Lessor (WFS) retains ownership of the equipment and the Lessee (Customer) pays for use of the equipment.

  • Lowest monthly payment for Lessee.
  • Best option for customers who want to return the equipment at the end of the term.
  • The lease provides no fixed purchase option at the end of the lease term, other than the Fair Market Value.
  • With a True Lease, Wabash Financial Services retains the risks and benefits of asset ownership and the Lessee retains possession and use of the asset.
  • The Lessee may be able to claim lease payments as an operating expense (for more information, consult with your accountant).
  • At lease-end, Customers have the option to:
    • Return the equipment.
    • Purchase the equipment for “Fair Market Value” at the end of the term.
    • Continue to lease the equipment with a new lease at a reduced rate with payments based on the Fair Market Value amount.
Lease Purchase ($100 Full Pay-Out)

Full Payout Lease is the best option for Customers who know they want to own the equipment at the end of term for a nominal $100 payment.

TRAC (Terminal Rental Adjustment Clause) Lease

TRAC Lease is designed for vehicles in commercial use that give the Lessee the option of buying the leased vehicles at a pre-determined price when the lease term expires.

  • Reduces the cost of equipment to low monthly payments at a low rate.
  • WFS purchases the equipment and retains the title to the equipment – Lessee uses the equipment for the specified term at fixed monthly payments.
  • At the end of the TRAC Lease term, the Lessee may choose to purchase the equipment for the predetermined “Residual Value.”

If the equipment is returned to WFS, upon equipment disposition, if the net proceeds exceeds the residual value owed, WFS will pay the difference to the Lessee; if the net proceeds are less than the residual value, the Lessee will pay the difference to WFS as an additional payment.


Loans are designed to provide easy, affordable equipment financing for customers who prefer to finance equipment through a non-bank financing company.

  • Reduces the cost of equipment to affordable monthly payments.
  • WFS Loans are easy; the application process is fast.
  • Unlike most banks – WFS Loans may be for 100% of equipment cost plus sales tax, destination charges, etc.
  • At the end of the term, the Customer receives title to the equipment (without WFS listed as lien holder).
Customized and Structured Solutions
Flexible and seasonal payments

Flexible and Seasonal Payments are structured with monthly payments based on your customer’s cash flow.

  • Payments are lower in slow months and higher when cash flow is not a concern.
  • Designed for businesses with seasonal but predictable cash flow.
  • Available to credit qualified customers for both lease and loan solutions.
Step-up payment plans

Step-Up Payment Plans are structured to match your customer’s anticipated growth over the term of the financing.

  • Lower payments during the beginning of the term with predictable, gradual increases as your business grows.
  • Designed for businesses with immediate equipment needs to expand fleets to accommodate rapid growth or fulfill requirements of new business contracts.
  • Monthly payment amounts matched to increased cash flow generated by use of equipment.
  • Available to credit qualified customers for both lease and loan solutions.

655 Business Center Drive, Horsham, PA 19044
P. 844-646-9637

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