To Rock December, Roll Out the Tax Conversations Now

Today’s big reminder: Now’s the time to be making December equipment purchase plans with your customers, to take full advantage of this year’s big tax opportunities.

Why it matters: Thanks to Section 179 and 100% bonus depreciation, equipment purchased in December qualifies for immediate tax deductions. But most customers need financing to maximize these tax advantages while preserving working capital for next year’s operations.

The big picture: December equipment purchases create powerful tax strategies, but many businesses lack the cash flow to make large year-end investments without compromising January operations. Strategic financing bridges this gap while preserving tax benefits.

• In other words: That’s where you and TimePayment can make a real difference.

The top 3 things to remember to come through for your buyers this December:

• Tax benefits require a 2025 “placed in service” date: Equipment must be delivered and placed in service before December 31 to qualify for current-year deductions. The clock is ticking (but TimePayment’s fast approvals—and instant approvals under $25K—are a huge help here).
• Planning conversations start now: Smart tax planning requires lead time for equipment evaluation, financing approval, and delivery coordination, making fall the critical season for year-end sales development.
• Cash flow timing mismatches limit opportunities: Businesses want tax deductions in December but need cash flow preserved for January expenses. Having financing conversations early allow your buyers to choose the TimePayment financing products, term lengths, and monthly payments that will deliver the maximum tax advantages with the minimum disruption to their budgets in 2026. 

The big takeaway: Positioning equipment purchases as tax strategies and operational improvements adds value, drives urgency, eliminates many pricing objections, and accelerates decisions—but only if you have the right financing partner at your side.