Commercial Equipment Leasing
Get the Equipment You Need Without Draining Your Cash
Commercial equipment leasing lets you access the machinery, vehicles, and technology your business needs — with predictable monthly payments and no large upfront capital outlay.
Equipment We Finance
Leasing Structures We Offer
Operating Lease
Use equipment for a set term and return or upgrade at the end. Lower monthly payments, off-balance-sheet treatment, ideal for technology that becomes obsolete.
Finance Lease (Capital Lease)
Lease with the intent to own. Payments build toward ownership. Treated as an asset on your balance sheet — ideal for long-life equipment.
$1 Buyout Lease
Structured as a lease but functions like a loan. Pay $1 at the end of the term to own the equipment outright. Predictable payments, full ownership.
Sale-Leaseback
Already own equipment? Sell it to a lessor and lease it back. Unlocks the equity in your existing equipment as immediate working capital.
Equipment Leasing FAQs
What is commercial equipment leasing?
Commercial equipment leasing lets your business use equipment without purchasing it outright. You make regular payments over a set term and either return, upgrade, or purchase the equipment at the end.
Should I lease or finance equipment?
Leasing is better when equipment becomes obsolete quickly (technology, medical devices) or when you want lower monthly payments. Financing is better when you want to own the equipment long-term and build equity. We help you evaluate both options for your specific situation.
What credit score do I need to lease equipment?
Requirements vary by program and equipment value. Many equipment leasing programs are available to businesses with credit scores as low as 600. The equipment itself serves as collateral, which makes qualification more accessible than unsecured financing.
Can I lease used equipment?
Yes. Many leasing programs cover used equipment, though terms may differ from new equipment leases. Age, condition, and resale value of the equipment factor into the approval.
Are equipment lease payments tax deductible?
Operating lease payments are typically fully deductible as a business expense. Finance leases may allow depreciation deductions. Consult your tax adviser for guidance specific to your situation.
Ready to Lease the Equipment Your Business Needs?
Apply today or call Gary Hughey to find the right leasing structure for your equipment and cash flow situation.