Equipment Loans for Tents, Tables, and Event Furniture

vent planning companies, rental businesses, and venues often face one big challenge: the cost of acquiring tents, tables, chairs, and event furniture. Whether you’re setting up for weddings, corporate events, festivals, or private parties, the right equipment is essential—but purchasing everything outright can drain cash flow. That’s where equipment loans come in.

Event furniture is the backbone of any successful function, but costs can add up quickly:

• Tents & Canopies: $5,000–$100,000 depending on size and design.

• Tables & Chairs: $50–$200 per unit, with large events requiring hundreds.

• Specialty Furniture: Lounge seating, décor, and custom pieces can cost thousands per set.

Instead of paying everything upfront, an equipment loan allows you to spread out the expense over time while generating revenue from rentals or event bookings.

Benefits of Equipment Loans for Event Furniture

1. Preserve Working Capital – Keep cash free for payroll, marketing, and other business needs.

2. Scale Faster – Finance larger quantities of tables, chairs, and tents to handle bigger events.

3. Match Revenue with Costs – Pay for equipment in monthly installments as it earns you income.

4. Flexible Terms – Choose repayment plans aligned with seasonal demand in the event industry.

5. Ownership – Unlike leasing, you own the furniture at the end of the loan term.

Financing Options

1. Traditional Bank Loans

• Good for established companies with strong credit.

• Lower interest rates, but require extensive paperwork.

2. Equipment Financing Loans

• Easier to qualify for since the furniture serves as collateral.

• Faster approval, great for startups or growing businesses.

3. Vendor Financing

• Some tent and furniture suppliers offer in-house financing.

• Convenient, but compare interest rates with other lenders.

4. SBA Loans

• Government-backed loans for small businesses.

• Longer repayment terms and lower rates, but slower approval.

Example Scenario

A wedding rental company wants to expand inventory:

• 500 Chairs @ $75 each = $37,500

• 100 Tables @ $150 each = $15,000

• Large Tent @ $20,000

• Specialty Furniture @ $10,000

Total: $82,500 upfront cost.

With an equipment loan at 6% interest over 5 years:

• Monthly Payment: ~$1,600

• Equipment generates rental income of $7,000–$10,000 per month.

The loan allows the company to scale without draining capital.

Tax Advantages

• Loan interest may be tax-deductible.

• Furniture purchases may qualify for  Section 179 deductions, allowing immediate write-offs.

Tips Before Applying

✔ Have a clear  ROI plan showing projected rental income.
✔ Compare loan terms, fees, and interest rates from multiple lenders.
✔ Start with high-demand items (tables, chairs, tents) before specialty pieces.
✔ Maintain your equipment well to maximize its rental lifespan.

Final Thoughts

Whether you run an event rental company, banquet hall, or  event planning service, financing tents, tables, and furniture with an equipment loan can help you grow faster and stay competitive. By spreading out the costs and leveraging financing options, you’ll be able to serve more clients, host larger events, and build a stronger inventory without sacrificing cash flow.