It may be the Dog Days of summer. 🐕
But smart equipment brokers have December on the brain. 🎄
No, we’re not kidding. Nearly 60% of annual small-business equipment purchases close in the fourth quarter, as owners rush to put equipment in service before the year ends to take advantage of tax deadlines or use up their annual budget outlays.
What this means for you: Brokers who position themselves before the rush capture deals that last-minute competitors can’t process in time.
🏈 Tips to remember in September so you’re not caught by surprise in December:
- Early outreach beats the December scramble. Prospects contacted in September through November—before every competitor floods their inbox—commit early and skip the year-end bottleneck entirely.
- Urgency works in your favor. Q4 buyers move faster and object less because the deadline does the persuading for you.
- Funding speed becomes the deciding factor: As December 31 approaches, “Can you fund before year-end?” becomes the only question that matters. Partnering with a fast-funding lender like TimePayment is a winning strategy, especially when dealing with start-ups or other businesses overlooked by traditional lenders.
💼 The broker bottom line: The year-end equipment surge is one of the most predictable events on your calendar. Start the conversations early, partner with a fast-funding lender like TimePayment, and you’ll turn a seasonal rush into your strongest quarter…while competitors are still chasing down last-minute paperwork.
- Beat the rush and own Q4: Reach out to our Third Party Originations team today.
Source: Proprietary 2026 Sawbux Marketing survey