# Vertical Lift Modules (VLM)

Canonical URL: https://fundmyequipment.com/equipment/material-handling/vertical-lift-modules-vlm/
Last modified: 2026-05-29T19:39:17+00:00
Type: efin_equipment

## Summary

Vertical Lift Modules (VLM) financing for the Material Handling industry.

## Fast facts

- Typical term: 48 - 84 months
- Soft-pull pre-qualification, no credit impact

## Content

Vertical Lift Modules (VLM) financing covers loans, leases, and equipment finance agreements (EFAs) for businesses purchasing vertical lift modules (vlm) in the material handling category. Average asset price is about $165,000, with terms from 48 to 84 months and a typical replacement cycle of 13 years.Qualifying requirements for Vertical Lift Modules (VLM) financing typically include a minimum FICO of 580+. Below we cover rates by credit tier, qualifying documentation, used-vs-new dynamics, Section 179 implications, and how to compare lenders on this category.This hub covers:Current rate ranges by credit tier, refreshed monthlyQualifying requirements (FICO, time in business, monthly revenue, down payment)Used vs new vertical lift modules (vlm) financing differencesAn interactive calculator with three structures: loan, $1 buyout lease, FMV leaseBad-credit programs (sub-650 FICO)Section 179 implications for current-year tax planningHow to compare lenders for this category