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.
Why Financing Event Equipment Makes SenseEvent 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.
Preserve Working Capital – Keep cash free for payroll, marketing, and other business needs.
Scale Faster – Finance larger quantities of tables, chairs, and tents to handle bigger events.
Match Revenue with Costs – Pay for equipment in monthly installments as it earns you income.
Flexible Terms – Choose repayment plans aligned with seasonal demand in the event industry.
Ownership – Unlike leasing, you own the furniture at the end of the loan term.
Good for established companies with strong credit.
Lower interest rates, but require extensive paperwork.
Easier to qualify for since the furniture serves as collateral.
Faster approval, great for startups or growing businesses.
Some tent and furniture suppliers offer in-house financing.
Convenient, but compare interest rates with other lenders.
Longer repayment terms and lower rates, but slower approval.
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.
Loan interest may be tax-deductible.
Furniture purchases may qualify for Section 179 deductions, allowing immediate write-offs.
✔ 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.
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.