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Financing Options for Trucks and Concrete Mixer Equipment

Whether you’re an established business or just launching your operations, Cemen Tech offers a comprehensive range of competitive financing and lease-purchase options in both the U.S. and Canada. Our equipment financing program is tailored to meet the ever-changing needs of our client’s business, and our goal is to provide an exceptional, and seamless process, to our client’s from truck purchase to the financing of the equipment.

Please fill out the short form at the bottom of this page to download the credit application for a quote or to have a Cemen Tech representative contact you to begin the approval process on your next truck or concrete equipment purchase.

Loan & Security Agreement

An agreement in which the lender finances your purchase of equipment on a fixed rate basis.  As the owner, you retain the depreciation benefits.

TRAC Lease

A lease on vehicles intended for commercial use more than 50% of the time. You have the option of buying the leased vehicles at a predetermined price when the lease term expires. The equipment financing company retains the depreciation benefits and passes the tax savings along to you in the form of lower lease payments. Lease payments are fully tax deductible by the lessee.

TRAC Lease Benefits:

  • Lower Monthly Payments
  • Lower Up Front Costs to Conserve Operating Funds
  • Lower Interest Rate
  • Typically No Sales Tax Due at Closing (Varies By State)
  • Extended Term Lengths
  • Payments are 100% Tax Deductible

Installment Lease

A lease in which there is a fixed purchase option at the end of the lease term. The ownership and tax benefit pass to you immediately upon execution of the lease documents. You will take the depreciation benefits from the lease. Typically there is no residual amount due at the end of the lease and you will own the unit at the end of the lease term.

Modified TRAC Lease

Very similar to the TRAC lease, the Modified TRAC also provides a residual as well as offers you ownership opportunities at lease end. The Modified TRAC lease generally qualifies for true off-balance sheet treatment.

FMV Lease

A lease on any vehicle or equipment that provides no fixed purchase option at the end of the lease term, other than the Fair Market Value (FMV). Fair Market Value is the value of a piece of equipment if the equipment were to be sold in a transaction determined at arm’s length, between a willing buyer and a willing seller, for equivalent property and under similar terms and conditions. Ownership of the equipment is retained by the equipment finance company. Mileage caps may apply.


Less Initial Expense & Investment

Avoid writing an upfront check for the full equipment cost and all associated taxes and fees.  An optional down-payment allows you to grow your business with flexible extended terms that provide you with lower monthly payments and lower monthly cash outlay.  Financing allows you to match the cost of the equipment with the revenue you expect it to generate.

Tax Benefits

Your monthly payments may be tax deductible and even written-off faster than standard depreciation schedules.  Your sales tax can also be paid over the course of the finance term in lieu of an upfront payment. Consult your tax preparer/adviser before making a purchase.

IRS Section 179

Stay up-to-date with Section 179 of the IRS tax code by visiting the IRS website and other additional helpful sites such as  In the past few years, government programs have been created to help jump start the economy that have allowed 50 to 100% depreciation for equipment in the year that it was purchased and placed into service providing a substantial benefit to your bottom line.