Section 179 Financing: Deduct Equipment Before Year End
See how Section 179 financing lets you deduct qualifying equipment before paying it off, plus 2026 limits, financing structures, and year end timing.
Oct 10, 2026
Chris Scarfo
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Full disclosure below.
Co-founder, Lending Gurus
Chris Scarfo is the co-founder of Lending Gurus, an AI guidance platform that helps small business owners understand their financing options before they ever talk to a lender. He started it in 2024 as a small business lending brokerage.
Before Lending Gurus, Chris spent ten years in business banking at Wells Fargo, BlueVine, Bank of America and U.S. Bank. At BlueVine he funded an average of about $1M a month in lines of credit and term loans for small business owners. At Bank of America he brought in about $10M a year in new deposits and $5M a year in new lending, and at his peak ranked first in the San Francisco Bay Area and in the top 10 nationally. At U.S. Bank he led a business banking portfolio across several products as a senior relationship manager.
He lives in the San Francisco Bay Area and is a father of three.
Articles by Chris
Plan 9 to 18 Months Ahead for Business Balloon Loans or Use SBA 504
Business focused guidance on balloon payment loans: how they work, the 9 to 18 month refinance window, when SBA 504 is a safer choice, and what to ask lenders.
Oct 9, 2026
Gather These 5 Personal Loan Documents for Faster Approval in the U.S.
Collect five documents U.S. lenders want: ID, SSN, income proof, two bank statements, and proof of address. Use digital verification tips and fraud checks...
Oct 8, 2026
ASC 842: 5 Tests to Classify Capital vs Operating Leases for Owners
Use ASC 842’s five finance lease tests to classify leases confidently. Step by step classification, present value worked example, journal entries, and...
Oct 7, 2026
See How a $500 Extra Payment Changes Simple Interest vs Amortization
How simple interest and amortization affect your loan payments, when extra payments cut future interest, and how Lending Gurus helps you compare repayment...
Oct 6, 2026
Get Up to $10M for U.S. Restaurant Equipment Financing
U.S. restaurant equipment financing: SBA 7(a)/504 can reach $10M. Compare loans vs leases, know what lenders ask, and get a free Lending Gurus match with...
Oct 5, 2026
Read the Contract First: Invoice Factoring for Startups
Startup playbook to turn unpaid invoices into cash. A step by step checklist, contract red flags founders often miss, and how to compare vetted financing...
Oct 4, 2026
4 Questions to Protect Your Credit Score, Revolving vs Installment
Understand how revolving vs installment accounts hit your credit and quick actions to protect your score. Compare offers without hard pulls.
Oct 3, 2026
Tax Savvy Construction Equipment Financing: SBA 504 Up to $5 Million
U.S. Contractors: a practical playbook for construction equipment financing. Compare loans, leases, SBA 504 and Section 179 impacts, and get lender...
Oct 2, 2026
$30,000 Personal Loan? U.S. Cosigner Rules, Checklist, and No Hard Pull
Understand U.S. cosigner rules, the FTC Notice to Cosigner, a clear application checklist, and how Lending Gurus finds lenders with no hard credit pull.
Oct 1, 2026
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