Loan or lease? We'll help you choose the right structure.
Every business is different, so we offer several ways to finance equipment — from straightforward loans to a range of commercial lease structures. Here's a plain-English look at the options, and we'll help you land on the one that fits your cash flow, tax picture, and long-term plans.
Equipment loans & finance agreements
With an Equipment Finance Agreement or loan, you finance the purchase and own the equipment outright at
the end. It's a clean path to ownership with predictable payments — a strong fit when you plan to keep the
equipment for the long haul.
Pre-payment Discounts
Pay off early and save — early payoff discounts are available with no prepayment penalties.
Commercial lease structures
$1 Buyout Lease
Lease the equipment, then purchase it for $1 at the end of the term. Effectively a path to ownership, structured
as a lease.
Fair Market Value (FMV) Lease
Lower payments with the flexibility to buy at fair market value, return, or upgrade at lease-end — ideal when you want options or expect to refresh equipment.
TRAC Lease
A leasing structure designed for titled vehicles, with a pre-set residual that gives you flexibility at the end of the
term.
Potential advantages of financing vs. paying cash:
Preserve your working capital, keep your existing lines of credit open, and take advantage of potential tax benefits. Talk to your tax advisor about what applies to you.
