What brokers need to know
The federal interest rate, while down from last year’s peak, remains high. But that hasn’t stopped small businesses from investing, for one simple reason.
- What they’re saying: For many small businesses, waiting to invest is often simply more costly than financing —even at today’s high Fed rate.
Zoom out: Here are some of the key statistics that explain small-business owners’ purchasing decisions:
- 68% of business owners who delayed purchases in early 2024 now say they cannot afford to wait any longer.
- 42% of business owners report that the operating cost of maintaining outdated equipment often outweighs the cost of financing new assets.
- Businesses focused on expansion and efficiency see equipment purchases as an investment, not a cost.
Three takeaways for brokers:
- Business owners need financing solutions that highlight ROI, not just interest rates.
- Buyers respond best when presented with flexible, cash-flow-friendly payment options.
- Positioning financing as a tool for business growth, rather than as a cost, allows brokers to help clients move forward with confidence.
The bottom line: TimePayment can help. Our flexible financing solutions make new and used equipment affordable in any rate environment. When your small-business clients are ready to grow, reach out to our Third Party Originations team today.
Source: Proprietary 2025 Sawbux survey
