A real person from our partnership team will reach out directly.
Built to Beat the First StormWithin HoursIn most cases, credit decisions come back within a few 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 seasonal equipment, dealer sales and vendor programs.
Financing that works at the speed of a snow equipment sale
Snow and ice equipment sales run on a calendar that does not move. Contracts get signed in the fall, and the equipment has to be ready before the first storm. Sellers need quick decisions, flexible structures and people who understand the equipment, the contractor and the season.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move equipment before the season, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the contractor may already have decided to run another winter on worn equipment, buy used at auction, pass on a new contract or sub out the work.
Match payments to winter revenue
Snow contractors earn most of their revenue in a few months. A seasonal payment lets them buy now and pay when the contracts are paying.
Sell the capacity behind the contract
A new commercial account often means another truck, another spreader and more sidewalk crews. Financing lets a contractor say yes to the contract and the equipment together.
Close before the season
Presenting financing early keeps a fall quote from stalling until the first storm, when lead times and pricing work against everyone.
Protect margin
Give customers structure and payment flexibility before discounting the equipment or absorbing upfit costs becomes the easiest way to save the deal.
We Speak Snow & Ice Management
Built around the equipment that keeps properties open all winter
FPG finances new and used snow and ice equipment, from a single plow setup to a complete winter fleet. We underwrite the buyer and understand that equipment type, condition, resale value and seasonal revenue can all influence how a transaction should be structured.
Plows & Snow Removal EquipmentTruck plows, pushers, blades and snow removal equipment for contractors focused on route performance and reliability.
Spreaders & Ice ControlSalt and sand spreaders, liquid application systems and ice control equipment for better coverage and contract execution.
Sidewalk MachinesSidewalk tractors, sweepers and compact snow machines for pedestrian-heavy and tight-access properties.
Compact Loaders & Support MachinesCompact loaders, skid steers and support equipment that handle snow in winter and stay productive year-round.
Attachments & Seasonal EquipmentSnow blowers, brooms, pushers and other seasonal attachments for more productive winter operations.
Liquid Deicing & StorageBrine makers, liquid deicing systems, tanks and storage support for expanding service capacity.
Plow Trucks & UpfitsPickups and work trucks upfitted with plows, spreaders and dump bodies for snow and ice routes.
Complete Winter Equipment PackagesMultiple machines, attachments and support equipment combined into one transaction for a full fleet upgrade.
Selling a complete winter package that spans trucks, plows, spreaders and sidewalk machines? FPG can structure financing around the complete package 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 A, B and C credit profiles, including growing snow contractors
- Fast decisions on straightforward transactions
- Support for multi-unit winter fleet packages
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Snow and ice deals are not generic business financing. The equipment, the upfit, the contract calendar and the season all matter. FPG's team works with sellers and buyers to structure the transaction around the equipment and the way the contractor earns.
Your FPG snow & ice 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 customer, the equipment and when winter revenue arrives. FPG can structure the sale around the season instead of forcing every buyer into the same payment pattern.
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for customers who intend to own the equipment at the end of the term.
Seasonal Payments
Payment schedules that can be aligned with winter revenue, so the heaviest payments fall when contracts are paying.
Deferred Payments
Structures that can let a contractor take delivery before the season and begin regular payments once winter work starts.
Step Payments
Lower early payments that step up over the term, useful for contractors adding routes or new accounts.
Multi-Unit & Fleet Packages
One transaction covering trucks, plows, spreaders and sidewalk machines 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 customers can finance the complete working setup rather than the truck or machine alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the customer and the season instead of chasing financing paperwork.
1
Quote the Equipment
Your rep builds the proposal around the routes, the properties and the equipment the contractor needs.
2
Present Financing
Introduce payment options early instead of waiting for a cash flow objection.
3
Customer 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 Season
Your reps stay focused on customers, new contracts and next winter's fleet.
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 fall open house or at a trade show.
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 customers evaluate the payment, not just the equipment price.
A snow contractor already thinks in per-push and per-season revenue. A monthly payment puts the equipment in those same terms, alongside the contracts it lets them take on and the downtime of the worn equipment it replaces.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $40,000Example: upfitted pickup with plow and spreader | $1,263 | $986 | $821 | $711 |
| $150,000Example: compact loader with pusher plus a set of sidewalk machines | $4,736 | $3,698 | $3,078 | $2,667 |
| $400,000Example: multi-truck fleet expansion with spreaders and a brine system | $12,628 | $9,860 | $8,208 | $7,112 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Snow & Ice Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a contractor raises a cash flow objection?
Introducing financing earlier gives the contractor more ways to evaluate the purchase. Instead of discussing only the equipment price, your rep can frame the decision around a payment that matches when winter contracts pay and the routes the new equipment lets them take on.
Can payments be structured around the snow season?
Yes. Seasonal and deferred structures can align payments with winter revenue rather than spreading them evenly across twelve months. Availability depends on the transaction and credit approval.
Can trucks, plows, spreaders and sidewalk machines be financed in one transaction?
Yes. A winter equipment package can be structured as a single transaction rather than separate paperwork for each quote, which keeps a fleet upgrade from being split into smaller orders.
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.
Can FPG help newer snow contractors with shorter operating histories?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Do you finance used equipment?
Yes. FPG finances new and qualifying used snow and ice equipment. Age, condition and resale value typically affect the term rather than eligibility.
Do smaller snow and ice equipment sales qualify for application-only financing?
Many snow and ice equipment sales fit application-only financing, which is available up to $350,000, subject to credit approval. Larger fleet packages move through a full application with the same team.
How fast are decisions?
In most cases, credit decisions come back within a few hours. Larger fleet packages, unusual structures or more complex credit situations can require additional review.
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.