Cummins PowerCommand Transfer Switch Financing

The transfer switch is the part of the power system that actually determines whether the generator works during an outage. A genset without a functioning ATS is a machine that runs but does not protect. Cummins's PowerCommand ATS line covers the transition from grid to generator and back, handling everything from simple single-source residential-scale transfers to complex paralleling systems where multiple gensets share load and the transfer logic coordinates across sources. PowerCommand units range from 100-amp residential panels up through 3,000-amp commercial and industrial-grade switches with digital monitoring, event logging, and network connectivity. We fund Cummins power system packages that include the PowerCommand ATS, standalone or bundled with the generator itself, from $50k, new or used, B/C credit considered, one to two week close.

The most common financing scenario for a PowerCommand ATS is as part of a larger Cummins generator package. A buyer financing a Cummins C Series commercial generator typically includes the matching PowerCommand ATS and, in some cases, the paralleling switchgear and distribution panel, in a single financed package. Bundling the full power system into one transaction simplifies documentation and often improves the approval position because the combined collateral is stronger than the genset alone.

The Cummins PowerCommand product line encompasses several ATS families, each targeting a different application tier:

• OTEC (Open Transition, Electrically Operated): The standard commercial ATS, opens the utility source before connecting the generator, producing a brief interruption during the transfer. Suitable for most commercial and industrial standby applications where a 1-3 second ride-through gap is acceptable.
• CTEC (Closed Transition): Executes a make-before-break transfer that momentarily parallels the generator and utility before opening the utility connection. No interruption. Required in facilities where process equipment, servers, or medical devices cannot tolerate even a brief voltage drop.
• Automatic Paralleling Switch (APS): For multi-generator configurations where the load management system controls which units carry which portions of the load. Common in large commercial, healthcare, and data center paralleling installations.

PowerCommand ATS units also integrate with Cummins's PowerCommand cloud monitoring platform, which gives facilities teams remote visibility into transfer events, generator run time, and fault conditions. That monitoring integration is a buying criterion in healthcare and data center applications where facilities managers need audit-trail documentation for uptime SLA compliance.

Most PowerCommand ATS purchases are bundled into a larger generator package transaction. If you are buying a Cummins genset and the PowerCommand ATS together, we finance the complete package under a single loan or lease. The ATS is part of the collateral base and the combined value of the genset plus the switchgear typically supports a stronger loan-to-value than either component would separately.

Standalone ATS financing is less common but available when the generator itself was purchased separately or is already owned. A buyer who owns a Cummins genset and needs to upgrade the transfer switch from an older third-party unit to a PowerCommand system can finance just the ATS if the transaction meets our $50k minimum. Smaller residential and light-commercial ATS units typically fall below that threshold; the program is designed for commercial and industrial-scale switchgear.

For standalone ATS transactions above $50k, we can also structure financing for the full switchgear upgrade including the distribution panel, the monitoring integration hardware, and the installation-related electrical work if it is part of the total contract with a licensed electrical contractor. Bundling installation into the financed amount requires the contractor to be the selling party on the contract, but it is a common structure in commercial electrical retrofit projects.

Buyers who want to compare a loan versus a lease on an ATS should look at how their organization treats capital versus operating expenditure. The lease vs. loan decision on switchgear often comes down to balance sheet treatment and whether Section 179 depreciation is more valuable than operating expense deduction in your tax year.

A complete power system upgrade often involves more than the ATS. We regularly finance the following alongside PowerCommand transfer switch purchases:

• The companion Cummins genset (C Series, QSK, or commercial diesel line)
• Load banks for annual ATS and generator commissioning testing
• Generator enclosures and sound-attenuated housings for exterior-mounted gensets
• Sub-base fuel tanks for extended runtime compliance
• Remote monitoring hardware and cellular connectivity upgrades

Packaging these components into a single financed transaction is simpler for the buyer and often results in a better overall structure than financing each element separately across different lenders or programs. One application, one approval, one monthly payment covering the full power infrastructure.

For facilities in markets like Houston where hurricane preparedness drives generator and ATS upgrades ahead of each storm season, timing the close to complete before the season's first named storm is a real operational priority. Buyers in storm-prone markets also frequently add sub-base fuel tanks to meet the 72-hour runtime requirements that emergency preparedness codes mandate. We build the funding timeline around the storm season deadline rather than treating it as a preference.

Tell us the ATS model and amperage rating, whether it is bundled with a Cummins genset or a standalone purchase, and the total package value. Same-day structure. If you are in a pre-hurricane season procurement window or a commissioning deadline, tell us the date and we will work backward from it to confirm fundability in your timeline.