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Western Equipment Financing Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

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Western Equipment Financing ReviewIf you are looking at starting a business, have you taken account of the expense for equipment? Equipment can be one of the most expensive parts of running and business, making an even greater argument for businesses to consider equipment financing and leasing options before spending their entire budget. Today, we are going to examine one of the many different equipment financing companies and whether or not it’s a feasible option for you, Western Equipment Finance.


Western Equipment Finance is known to have a great customer service team, offering potential clients, and current customers for that matter, great personal one-on-one service.


A downside to Western Equipment Finance is the lack of resources and information on their website. If you compare WEF to many other equipment financial companies in the industry, other company websites are full of resources, tools, and articles to help educate their customers. On top of this, WEF does not discuss any estimates on their rates and fees.

Loan and Lender Information

Western Equipment Finance is an equipment financial company boasting over 27 years experience in the industry. The company is a subsidiary of Western State Bank, which has culminated well over 100 years experience in the financial industry. Today, WEF is a large and popular financial entity for small businesses, given the wealth of services offered.
The following is a list of their services based upon their current website. Some services may change with time.

  • Private Label Programs
  • Pass Thru Billing Programs
  • Co-Branded Programs
  • Subsidized Programs
  • Referral Programs
  • Equipment Finance Agreement (1$ Buyout Lease)
  • Lease State Purchase Option
  • Lease Purchase Upon Termination
  • Fair Market Value Lease
  • Rental Agree
  • Project Financing Agreement.

Rates and Fees

Western Equipment Finance does not offer any information regarding their rates and fees, or even estimates. With that being said, if you are interested in their services, you will need to submit an application to receive a quote with their rates and fees. You may also choose to contact their customer-service number or email regarding their estimated rates and fees. Keep in mind, this information will be variable based on credit scores.

Application Process

If you are interested in one of the many different services or programs offered by Western Equipment Finance, all you need to do is complete a simple application, which can be found on their website. WEF will perform and ask each business owner to submit a credit application, which will be used to determine the financial options and applicable rates. The company mentions that each credit check or decision should only take less than 30 minutes, making it one of the fastest turnarounds in the industry. If approved and options are feasible, funds should be available for equipment within 24 hours.


In our opinion, Western Equipment Financing is a considerable option for any small business seeking equipment financing. WEF offers many different services in efforts to help as many businesses as possible. While the company lacks resources and value on their website, Western Equipment Finance has a stellar customer service team dedicated to helping you.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


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