Equipment Money on Your Terms
Fund tools and trucks from a system you own. Faster access, fewer surprises, repayments recycle margin.
Product identification: this page discusses participating whole life insurance. It is insurance, not a bank account or investment.
We are not a bank: “The Infinite Banker” is an education brand. We do not accept deposits, and we do not offer FDIC- or NCUA-insured products.
Guaranteed vs non-guaranteed: dividends and other non-guaranteed elements are not guaranteed and may change. Any values shown that include non-guaranteed elements are for education only.
The Equipment Financing Trap
Business owners face a constant need for tools, vehicles, and equipment. Traditional equipment financing comes with:
Lengthy approval processes
Personal guarantees and collateral
Restrictive terms and covenants
Interest that vanishes into someone else’s pocket
Re-qualification every single time you need something
If you’re operating at scale, you know the drill: fill out applications, wait for underwriting, negotiate terms, sign a stack of documents. Then do it all over again for the next piece of equipment.
Policy Loans for Equipment: The Advantage
When you finance equipment through your own policy:
Speed: Request a loan today, receive funds within 3 to 7 days. No applications. No underwriting. No credit pulls.
Simplicity: One phone call or online form. That’s it.
Control: You decide the repayment structure. Aggressive payoff? Extended timeline? Seasonal cashflow considerations? You set the terms.
Privacy: No one sees your business financials except you and your carrier. No reporting requirements.
Recycled margin: The interest you pay stays in the insurance ecosystem, contributing to dividend performance. Your principal repayments go back to your cash value, ready for the next use.
A Real-World Example
A contractor needs a $45,000 truck for a new project:
Cash value in policy: $120,000
Policy loan requested: $45,000 at 5% simple interest
Full $120,000 continues earning dividends
Repayment plan: $900/month for 60 months
After five years: truck paid off, cash value restored, ready for next equipment purchase
Compare that to dealer financing at 7% where the $6,500 in interest disappears forever and you’re locked into their terms.
Who This Works For
Business owners and operators who need reliable access to equipment capital:
Contractors and tradespeople
Medical and dental practitioners
Professional services firms
Franchise operators
Agriculture and transportation businesses
The common thread: you have ongoing equipment needs and you’d rather recirculate the financing profit instead of paying a lender.
Steps to Execute
Assess equipment cost and confirm sufficient policy cash value
Request the loan from your carrier
Purchase equipment when funds arrive
Set repayment schedule that aligns with business cashflow
Complete payoff and restore capacity for the next piece of equipment
The Compounding Effect
One equipment purchase financed through a policy is useful. Ten equipment purchases over a decade, all financed this way, becomes transformational. You’re recapturing the financing margin every single time. That margin compounds. And you’re never waiting on someone else’s approval.
This system works best for high earners with existing liquidity and the capacity to fund meaningfully each month. If that’s you, complete the 5-Question Qualification Quiz and book your Discovery call.
Invitation to inquire: The information provided is an invitation to inquire about our services and is not an offer to sell insurance or securities. Renewal, cancellation, termination: Policies require ongoing premium payments. Non-payment may result in lapse or termination. Surrendering a policy may result in fees and tax consequences. Licensing scope: We are licensed insurance professionals. We do not provide legal, tax, or investment advice. Consult your advisors. Loans reduce cash value and death benefit: Outstanding loans and interest reduce available cash value and death benefit. Loans are not required to be repaid during the insured’s lifetime, but unpaid loans will reduce death benefit. Comparisons are educational: Any comparisons to other financial products are for educational purposes only and are not guarantees of performance. “Infinite Banking Concept®” is a registered trademark of Infinite Banking Concepts, LLC. The Infinite Banker is independent: We are not affiliated with or endorsed by Infinite Banking Concepts, LLC.
