Here’s another look at the OBBB’s 5-year benefit window
Why is the One Big Beautiful Bill good for brokers? Simple: It makes closing deals with equipment financing from TimePayment more attractive than ever…but its benefits won’t last forever.
- The clock is ticking: The enhanced tax benefits that make equipment financing irresistible under the OBBB have a defined expiration date: December 31, 2029.
- After that, bonus depreciation phases down, Section 179 limits may decrease, and EBITDA-based interest calculations revert to EBIT.
Can you give some examples? The difference in value between acting now versus waiting is both a) massive and b) easily quantifiable.
- A $100,000 equipment purchase saves $21,000–$37,000 in taxes immediately through 2029…but only $4,200–$7,400 annually under normal depreciation schedules post-2029.
- This creates an immediate urgency around equipment decisions that brokers can leverage.
What are three top takeaways for brokers? Here are three key insights TimePayment thinks every broker should be aware of:
- The value of swift action is obvious: A business saving $100,000 in taxes today versus $20,000 annually over five years starting in 2030 gains approximately $60,000 in present value by acting immediately.
- Strategic planning creates multiple sale opportunities: Brokers should work with business customers to map out their 5-year equipment needs and maximize benefits within the window, creating opportunities for multiyear financing relationships rather than one-off transactions.
- End-of-year urgency multiplies annually: Every December 31 from now through the end of 2029 represents another “placed in service” milestone, giving brokers predictable closing windows for pending deals.
What’s the broker bottom line? The OBBB 2025–2029 benefit window provides quantifiable urgency for equipment financing decisions.
- Instead of competing on rates or terms, you’re helping businesses capture tens of thousands in tax benefits that disappear if they wait. This transforms price-sensitive negotiations into time-sensitive opportunities.
We’re all about fast deals: TimePayment helps brokers convert new benefits into financing success. To speed up your deal velocity, reach out to our Third Party Originations team today.
Source: Sawbux Marketing
Make sure you consult with your tax advisor to understand your eligibility and to discuss any specific questions you have about these tax benefits.
