Financing Available


EnduraliteLED now offers financing in partnership with NOESIS.


Noesis is the premier source for financing commercial building equipment, like LED lighting,
HVAC systems, and building controls.  We offer flexible payment plans that meet your needs.


With same day funding available, we’re the fastest – and most secure – way to purchase equipment from the company of your choice.


  • Rates starting at 2.9%
  • Terms up to 84 months
  • $0 down – 100% of equipment and installation
  • No payments for first 6 months available
  • Off-balance sheet options and rebate financing available
  • 3-minute online application with same-day funding available
  • Credit available from $10,000 to $5,000,000



EnduraliteLED has partnered with Noesis to provide innovative payment plans to our customers. Noesis is the leading provider of financing for commercial building equipment, from replacements to energy efficiency, and is backed by the world’s largest provider of credit for equipment purchases.

The easy online application is paperless, and takes less than five minutes to complete. To get started, learn more or apply below.



Frequently Asked Questions                                                               DOWNLOAD or PRINT FAQ SHEET HERE

  • 1.General
  • Who is Noesis?

    Noesis is an online marketplace lender exclusively focused on providing commercial equipment leasing for companies of all types and sizes. We use cutting–edge technology to match your needs with federally insured, federal and state chartered financial institutions. Noesis provides financing though some of the largest banks in the U.S.

    Noesis works with industry leaders, such as Johnson Controls, Trane, Honeywell, and Daikin, to offer monthly payment plans to allow their commercial customers purchase who prefer to pay over time.

  • What are the benefits to using Noesis

    As a marketplace, Noesis analyzes each contractor, project, and borrower and then matches each opportunity with one of a syndicate of leading institutional lenders. Because we process hundreds of potential projects, we are able to pre-negotiate very competitive rates and terms with our lenders, effectively ‘buying in bulk’.

    This pre-negotiation means we’ve effectively done the shopping in advance. In addition to providing very competitive rates and terms, we’ve shortened a process that can take months down to days or even hours, and significantly reduced the odds of being turned down. The result is the Noesis marketplace saves money and saves time. We find the best financing at very attractive rates in a faction of the time it would typically take.

  • Is Noesis a bank?

    No, Noesis is a tech-enabled marketplace that sits between thousands of sales reps quoting billions of dollars in commercial building equipment purchases and a syndicate of the leading institutional lenders.

  • 2.Financing through Noesis
  • What types of projects does Noesis finance?

    Because Noesis has a syndicate made up of many lenders, each one with their own specialty, we’re able to successful match-up a very wide range of loans, including:

    • Different types of borrowers, including owner-occupied small businesses; single- and multi-tenant commercial real estate; state, municipal and university entities; commercial horticulture; as well as non-profits such as churches and houses of worship.
    • A broad spectrum of credits, from no credit to challenged credit to prime credits.
    • A wide range of building equipment types, from simple lighting to large HVAC systems to commercial refrigeration.
  • Does Noesis provide the financing?

    No, Noesis is an independent 3rd party that serves as a marketplace that works with a group of leading equipment-financing lenders. Noesis identifies the right lender (based on equipment type, borrower, risk profile, size of project, etc.) and works with that lender to obtain the best rates and terms. Noesis credit team then manages the entire lending process. The final agreement is between the borrower and the lender.

  • Why is an equipment lease better than a bank loan for capital equipment?

    Bank loans and credit lines are intended for other purposes such as short-term working capital or business expansion. For purchasing new capital equipment, banks typically finance no more than 75% of the equipment cost and do not finance soft costs, like installation and setup. What’s more, the application process can take months, and banks require a blanket lien on the business.

    Equipment leasing – which is nearly $1 trillion annually in the US – is designed for companies purchasing new capital equipment. U.S. businesses use equipment leasing to purchase 60-70% of all capital equipment bought each year. Why? Leases usually fund 100% of the equipment’s costs, including such ‘soft costs’ as installation and even service contracts. Leases can be approved in hours and only require a lien on the equipment. The table below illustrates the advantages of an equipment lease over a bank loan for financing building equipment:

    Microsoft Word - Noesis FAQs - Borrowers.docx

    Source: Fundera

  • What is an equipment lease? Is it more like a car “loan” or a car “lease”?

    The majority of leases are capital leases that are structured like a car loan. That is, the borrower owns the equipment at the end of the term. Noesis monthly payment plans are capital leases. A very small number of leases are operating leases, which look more like a car lease with a fair market value buyout at the end. So, the vast majority of equipment leases look more like a car loan than a car lease.

  • What are the interest rates?

    Interest rates vary and depend on the borrower’s credit, the size of the project, and the type of equipment that is being financed. Like commercial bank loan rates, commercial lease rates start at 7% for the best credits. Lending criteria and rates for municipalities typically start at 4%

  • What are the payment plans I can choose from?

    Noesis typically offers three unique payment plans on each project. These payment plans are different based on the vendor.

  • Are there any additional fees?

    No, there are no additional fees.

  • Do you deal with businesses with challenged credit?


  • Will you put a lien on my business assets or building?


  • 3.The Application Process
  • How do I apply?

    It’s easy. Visit to begin the online application. This takes no more than a few minutes.

  • What information does Noesis need during the application process?

    It depends. Each project is evaluated on a case-by-case basis. The first step is the online credit application. Once it’s reviewed, the Noesis credit team may request additional documentation, such as company financials.

  • What are the documents required?

    1. Credit Application completed by a company officer or owner
    2. Approved Payment Terms reviewed and signed by an officer or owner
    3. Financing Documents reviewed and signed by an officer or owner
    4. Delivery & Acceptance Certificate signed by an officer or owner

  • How long does the process take?

    The online credit application takes a few minutes to complete. Within 48 hours, the Noesis credit team will email the approved payment terms. When the approved payment terms are signed and returned via e-mail or fax, the Financing Documents will be e-mailed within 24 hours. When the Financing Documents are signed and returned via e-mail or fax, installation will commence (dependent on the vendor’s schedule). Once the vendor informs Noesis the project is complete, the Delivery & Acceptance Certificate will be e-mailed within 24 hours.

  • What is the full process? Walk me through it.

    1. Borrower completes Noesis’ online credit application (
    2. Noesis credit team emails approved payment terms within 48 hours.
    3. Borrower reviews terms, signs, and sends back to Noesis (email or fax).
    4. Vendor sends Noesis an invoice with the exact project cost.
    5. Noesis emails the Financing Documents (from the Lender) to review, sign and email/fax back.
    6. Lender issues a purchase order to the vendor to signal start of project.
    7. After installation, Noesis e-mails Delivery & Acceptance Certificate to review, sign and return.
    8. Borrower begins repayment.

  • When do the payments start?

    The first payment is typically due 30 days post-installation after the Delivery & Acceptance Certificate is sent back to Noesis. Some Lenders require the first payment upon installation of the project. If the project is pre-funded, payments commence at pre-funding. (Pre-funding requires borrower approval.)

  • Who can I contact for more help during the application process?

    Contact your vendor or Noesis directly at or 1.888.200.3468. The vendor can also provide the dedicated Noesis Account Manager’s contact information.

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