A real person from our partnership team will reach out directly.
Built to Keep Replacements on Schedule2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000, subject to credit approval. Dedicated TeamReal people who understand public-sector equipment, dealer sales and vendor programs.
Financing that works at the speed of a public equipment sale
Public equipment sales often hinge on timing: a budget vote, the start of snow season or a unit that can't make it through another year. Sellers need quick decisions, flexible structures and people who understand the equipment, the buyer and the way public budgets work.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the "not this year."
Your priority is to move equipment, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the buyer may already have decided to push the purchase to next year's budget, keep patching an aging unit, split the order across several years or buy less than they need.
Fit the operating budget
A payment spread over several years can fit a budget that a full capital purchase can't, so the replacement doesn't have to wait for a future year.
Keep the fleet order whole
Presenting financing early keeps multiple units in one proposal instead of a replacement plan that trickles out one truck per budget year.
Replace equipment before it fails
Aging units cost more to keep running and can fail when they're needed most. Financing gives buyers a way to replace them on schedule.
Protect margin
Give buyers structure and payment flexibility before discounting the unit or absorbing upfit costs becomes the easiest way to win the bid.
We Speak Public Works
Built around the equipment that keeps communities running
FPG finances new and used equipment sold to municipalities, public agencies and the contractors that serve them, from a single upfitted truck to a multi-department fleet replacement. We underwrite the buyer and understand that equipment type, condition, resale value and the buyer's budget calendar can all influence how a transaction should be structured.
Public Works & Road MaintenanceDump trucks, loaders, backhoes, graders and road maintenance equipment for public works departments.
Snow & Ice ManagementPlow trucks, spreaders, sanders, brine systems and snow removal equipment.
Street Sweepers & SanitationStreet sweepers, refuse and recycling trucks, and sanitation equipment.
Parks, Grounds & FacilitiesMowers, utility vehicles, turf equipment and grounds maintenance for parks, campuses and facilities.
Water & WastewaterVacuum and jetter trucks, pumps, generators and water and wastewater system equipment.
Emergency & Public Safety EquipmentFire apparatus, rescue and emergency response equipment, and public safety vehicles.
Fleet & Utility VehiclesPickups, service bodies, upfitted work trucks and utility vehicles for municipal fleets.
Technology & Energy UpgradesIT and communications equipment, generators and energy efficiency upgrades for public facilities.
Selling a fleet replacement or a package that spans several departments? FPG can structure financing around the complete project rather than one quote at a time.
Why Equipment Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for public buyers and for the contractors that serve them
- Fast decisions on straightforward transactions
- Support for multi-unit and multi-department fleet replacements
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Public equipment deals are not generic business financing. The equipment, the upfit, the budget calendar and the season the unit has to be ready for all matter. FPG's team works with sellers and buyers to structure the transaction around the equipment and the way the buyer will use it.
Your FPG municipal equipment finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the buyer, the equipment and when the money is available. FPG can structure the sale around the buyer's budget calendar instead of forcing every buyer into the same payment pattern.
Equipment Finance Agreements
Traditional structures for buyers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for buyers who intend to own the equipment at the end of the term.
Fiscal-Year Payments
Payment schedules that can be aligned with a buyer's fiscal year and budget calendar.
Deferred Payments
Structures that can give a buyer time to take delivery and put equipment into service before regular payments begin.
Seasonal Payments
Payment schedules that can be aligned with seasonal work, such as snow season or summer road work.
Multi-Unit & Fleet Packages
One transaction covering multiple units or departments instead of separate paperwork for each quote.
Equipment & Soft Cost Bundles
Equipment plus upfits, delivery and installation combined into one payment.
New & Used Equipment
Financing for new equipment and for qualifying used units.
Upfits, delivery and installation can be included alongside the equipment, so buyers can finance the complete working unit rather than the chassis alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the buyer and the next bid instead of chasing financing paperwork.
1
Quote the Equipment
Your rep builds the proposal around the units, the upfits and the timeline the buyer needs.
2
Present Financing
Introduce payment options early instead of waiting for a "not this year."
3
Buyer Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance.
6
Sell the Next Replacement
Your reps stay focused on buyers, bids and the next fleet cycle.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, at a trade show or during a budget meeting.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help buyers evaluate the payment, not just the purchase price.
A full purchase price competes with every other line in a capital budget. A monthly payment puts the equipment in operating terms, alongside the repair bills and downtime of the unit it replaces.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $75,000Example: upfitted plow truck or a parks and grounds equipment package | $2,368 | $1,849 | $1,539 | $1,334 |
| $250,000Example: street sweeper, vacuum truck or refuse truck | $7,893 | $6,163 | $5,130 | $4,445 |
| $600,000Example: multi-unit public works fleet replacement or emergency apparatus | $18,942 | $14,790 | $12,312 | $10,668 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Municipal Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a buyer raises a budget objection?
Introducing financing earlier gives a public buyer more ways to evaluate the purchase. Instead of waiting for the full cost to fit a future capital budget, your rep can show a payment that fits the current budget and keep the replacement on schedule.
Can payments be aligned with a municipality's fiscal year?
Yes. Fiscal-year, deferred and seasonal structures can align payments with a buyer's budget calendar or the season the equipment works. Availability depends on the transaction and credit approval.
Can multiple units or departments be financed in one transaction?
Yes. Multiple units, or equipment for several departments, can be structured as a single transaction rather than separate paperwork for each quote, which keeps a fleet replacement from being split across several budget years.
Can upfits, delivery and installation be included in the financing?
Yes. Upfits, delivery, installation and related setup can be included alongside the equipment. Amounts and structure are subject to credit approval.
Do contractors that serve municipalities qualify too?
Yes. Many sellers in this space also sell to private contractors that hold municipal work, such as snow removal, sanitation and road maintenance contractors. FPG is a direct lender with access to 25+ strategic funding partners, so A, B and C credit profiles can be placed.
Do you finance used equipment?
Yes. FPG finances new and qualifying used equipment. Age, condition and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Public entities, larger fleet projects, unusual structures or more complex credit situations can require additional review or documentation.
What happens when a deal does not fit FPG's direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.