Eaton Financing

Eaton occupies a distinctive position in data center power infrastructure because it covers both the UPS layer and the switchgear and distribution layer from a single manufacturer's catalog. A facility that specifies Eaton 93PM UPS systems for power conditioning and Eaton Power Xpert switchgear for medium-voltage distribution is dealing with one vendor relationship, one service organization, and one set of integration standards, which simplifies the operational picture. Financing the equipment that comes with that choice is what we do.

The Eaton UPS lineup for three-phase data center applications is led by the 93PM (previously the 9395 line's successor in modular form), the 9395 for large transformerless UPS applications, and the 9PX for smaller rooms and edge deployments. These systems cover the range from under 10 kW in the 9PX series to multiple MW in parallel 93PM configurations. Each segment has a different buyer profile, and the financing structure typically adapts to match.

Eaton's Power Xpert switchgear line addresses medium-voltage distribution, load centers, and transfer switching at the facility power plant level. For data center operators, this equipment sits between the utility service entrance and the UPS systems, managing the primary power distribution path. Large projects that specify both Eaton UPS and Eaton switchgear represent a combined capital event that financing can simplify by covering both product lines in one package.

We finance all Eaton data center equipment: UPS systems, medium-voltage switchgear, transfer switches, and power distribution units. Minimum transaction is $50,000. Multi-product Eaton packages covering UPS and distribution equipment in a single deal are a common and efficient use of equipment financing.

The Eaton 93PM is the current flagship modular three-phase UPS for large critical facility applications. It uses a power module architecture similar to competitors like the Vertiv EXL S1 and Schneider Galaxy VX, where modules within a frame can be swapped or added without service interruption. The 93PM achieves high efficiency in both online double-conversion and active eco-mode, and its compact footprint relative to equivalent older transformer-based UPS systems makes it a useful choice for retrofits where floor space is constrained.

The Eaton 9395 was the predecessor line to the 93PM and remains in service at many facilities. The 9395 uses a transformerless design that offers high efficiency and has been a workhorse in financial services and healthcare data center applications. Used 9395 systems are available in the secondary market and represent a lower-cost entry point for operators who need large three-phase UPS capacity without the new-equipment price tag. We finance used Eaton equipment when documentation supports the transaction.

The Eaton 9PX is the small-to-mid-range UPS product, covering single-phase and small three-phase applications from a few kW up to about 20 kW. It serves edge data center nodes, server rooms, and IT closets. A single 9PX rarely hits the financing minimum on its own, but a deployment of multiple units for a larger edge rollout or a combined purchase with rack PDUs and other infrastructure components will typically cross the $50,000 threshold.

Eaton Power Xpert switchgear covers medium-voltage primary distribution from 5 kV through 38 kV in switchboard and switchgear configurations. For data center power plants handling utility-scale power inputs, this is the equipment class that sits between the utility service entrance and the transformer bank. Large capital cost, mission-critical function, and long service life make it an ideal financing candidate.

Documentation requirements depend on transaction size. Under approximately $400,000, application-only financing is available. Above that threshold, three months of business bank statements is the baseline, and complex structures or large multi-component deals may require additional financial information.

Structure options include:

• Fixed-rate term loans over 24 to 84 months
• Equipment leases (fair market value or dollar-buyout)
• Sale-leaseback for Eaton equipment already installed and operating
• Refinancing of existing Eaton equipment obligations
• Multi-vendor bundling to include non-Eaton equipment in the same package

Funding typically runs one to two weeks from completed application. For Eaton Power Xpert switchgear, which can carry substantial factory lead times, starting the financing process early in the procurement cycle is important. The credit approval can be completed long before equipment ships, so the purchase order is not delayed waiting for financing to close.

Financial services firms with on-premises data centers have historically been strong Eaton UPS buyers because Eaton's transformerless three-phase UPS products carry good regulatory compliance documentation for financial services environments. A bank's data center refreshing an aging UPS plant with 93PM units is a common financing client profile.

Mission-critical contractors who install Eaton UPS and switchgear on behalf of end clients use project financing to bridge from equipment purchase through client acceptance and payment. The Eaton equipment serves as strong collateral during the project period, and the contractor's contract provides additional underwriting comfort.

Colocation providers expanding capacity in markets like Dallas, Chicago, or Northern Virginia with Eaton power systems represent another common profile. The facility expansion has committed capacity sales, and financing the Eaton power plant is preferable to waiting for the equity raise or the construction loan to cover every capital item.

Operators comparing Eaton against Vertiv or Schneider Electric will find equivalent financing availability across all three brands.

Send the product details, the dollar amount, and your timeline. We will structure options that fit the project and respond within one business day.

Can Eaton UPS and Eaton switchgear from the same project be in one financing package?

Yes. Multi-product Eaton packages covering UPS and distribution switchgear are common and straightforward to structure as a single financing transaction. Bundling simplifies vendor payments and produces cleaner collateral documentation.

We have an Eaton 9395 that is seven years old and working well. Can it be used as collateral for a new loan?

An operating 9395 in good condition has residual value and can be used as collateral or as the subject of a sale-leaseback. The appraised current market value drives how much can be leveraged. A unit with service records and recent battery maintenance will be valued higher than one without documentation.

Eaton Power Xpert switchgear has a long lead time from the factory. Does financing need to close before the equipment ships?

No. Financing approval can be obtained before equipment ships. The funds actually release when the equipment is delivered and accepted, not when the purchase order is placed. Getting credit approved early in the procurement process is standard practice.

Can a company with a previous bankruptcy finance Eaton equipment?

A prior bankruptcy makes financing more challenging but not automatically impossible. Factors like how long ago the bankruptcy was discharged, what the business's financials look like since then, and the strength of the Eaton asset as collateral all influence the underwriting decision. We evaluate each situation on its own facts.

How is residual value treated at the end of an Eaton equipment lease?

Under a fair market value lease, the equipment is returned to the lessor at end of term and you have no further obligation. Under a dollar-buyout lease, you pay $1 and take ownership. Which structure is right depends on whether you want long-term ownership or the flexibility to upgrade at end of term.