Dealers, lenders, OEMs and rental companies reaped the benefits of AI advancements and new machine technologies in 2025 while learning to manage the associated risks.
Agentic AI emerged as an innovative tool for automating workflows and strengthening compliance operations. Lenders also zeroed in on tech applications like large-language models and digital contracting, while dealers explored tech products tailored to inventory management, liquidation, sales and customer service.
Meanwhile, OEMs ramped up production of autonomous equipment and other tech-driven machines.
Here are Equipment Finance News’ top five stories of 2025 covering technology trends.
1. Rental market supersized by specialty equipment, technology
New equipment technologies became a focal point for the rental industry in 2025 after several years of record growth. OEMs, dealers and rental houses recognized that the rental market is well suited to introduce autonomous solutions, telematics systems, data-collection software and other technologies as they allow operators to test their effectiveness before committing to a large-scale investment. Lenders also began to identify this trend, offering financing for rental-purchase options while embracing subscription models.
2. Equipment dealers, lenders lean into e-contracting technology
E-contracting adoption increased as equipment dealers and lenders embraced digital applications to accelerate deals and gain a competitive edge. At the same time, finance professionals stressed the importance of meeting customers where they’re at, requiring a delicate balance of digital and manual processes. Lenders also must work through regulatory challenges facing e-contracting.
3. AI agents transforming equipment finance
Equipment lenders began deploying AI agents for sales, lead generation, analyzing documents, compliance and problem-solving overall. Not only is agentic AI reshaping lender operations, but it’s also contributing to the data center development boom, which is a boon for the construction equipment finance sector. Thus, agentic AI poses significant opportunities for equipment lenders from several standpoints.
4. Equipment lenders tackle residual value uncertainty on new tech
While new tech-driven machines have flooded the market in recent years to address industry challenges, lenders have shown reluctance to finance such equipment, mostly due to residual value uncertainty. However, lenders made significant progress in overcoming this challenge in 2025. Working closely with OEMs and resellers to “backstop risk” is crucial. It’s also important for lenders to create solutions that provide service throughout the life of an asset. Financing renewals of subscription services is one example of this.
5. Fintech partners key to smooth tech implementation in equipment finance
Fintech-lender partnerships strengthened in 2025 amid rapid AI advancements. Lenders capitalized on new AI tools while limiting disruptions to business thanks to these partnerships. As financing models shift, equipment lenders must align their businesses with new systems, while fintechs look to balance seamless implementation with long-term solutions.
Check out our exclusive industry data here.