Direct investment in equipment financing for the independent thinker

Padco Financial Services, Inc. specializes in opportunities for the average investor to participate in high yields-- currently as high as 5-8% on your invested balance--without tying up your entire principal until it matures.
  • Stay ahead of inflation with interest rates comparable to what banks earn.
  • Add diversity to your investments.
  • Raise the average yield on the cash component of your overall portfolio.
  • Enjoy the security of consistent return of both principal and interest.
  • Reinvest frequently for continuous cash flow and maximum return.

Contracts range from $5,000 to $100,000. Terms range from 12-60 months. Investors receive payments of both principal and interest right away—just like your bank receives your mortgage payments. At the end of the term the investor has been paid in full with interest.

The best fit for your investment needs

Your investment provides financing for the equipment needs of business all over the country from billion dollar industrial giants to “Mom and Pop Shops.” These are just a few of the industries we service and equipment types we finance:
  • Manufacturing – machine tools, material handling and, packaging equipment.
  • Medical – diagnostic equipment, home health rental equipment.
  • Retail/Service -- copiers, computers, phone systems, networks.
  • Radio/TV/Entertainment – broadcasting equipment, recording equipment, theatrical lights and sound equipment.
  • Excavating/Construction/Landscapers -- trucks, vans, tools, backhoes.
  • Recyclers -- shredders, containers, bundling equipment.

Our rigorous credit appraisal means only the cream of the crop is offered to our investors


“We look at more than just the numbers…


  • We scrutinize personal and corporate credit reports, bank statements and financials.
  • We routinely obtain personal guarantees from a company’s owners and additional related corporate guarantees when they are available.
  • We look for excellent repeat customers with stellar histories with Padco—these are often the best opportunities for our investors.
  • We ask for down payments, security deposits, additional collateral and advance payments….

... It’s ‘belt and suspenders’ all the way.”


Here are some of the services we provide to improve your investing experience:

  • A continuously updated inventory of contracts for immediate investment, available by phone, email and on our website
  • Detailed information to help match your funds and investment parameters to a specific contract
  • Clear and professional documentation of each investment including investment certificates, assignments of contract payments and amortization schedules
  • Fast professional attention if you have questions or concerns
  • One consolidated monthly payment whether you have one contract or many
  • A detailed summary at the end of the year with your 1099 INT forms

Since 1981 we have funded over $200,000,000 of equipment, financed over 20,000 leases and equipment finance contracts, which have generated over $21,000,000 in interest income to our investors.

If you would like to join our family of satisfied investors...
please click here
"My husband's bridge partner told us about Padco Financial Services. I was first reluctant to invest in leases because I had never heard about them before. Well, now I am so glad that we did and will continue to do so. These investments have paid quite well no matter what the changes have been in various economic conditions in the past 15 years. I feel that they are a most reputable and ethical company. Jim Padden is our man."
- LINDA D.

"Two generations in our family have been satisfied Padco investors for over twenty years. We continue to appreciate Padco's consistent professionalism and integrity."
- GREGORY AND PATRICIA L.

"I enjoyed reading the Padco history in the new Padco Financial Services, Inc. pamphlet. Well done. It reminded me of our great financial relationship that has existed from the Gallagher days beginning in 1974, 38 years ago. Thank you again for the financial services."
- KEN D.