Financing is available for your equipment purchases. We offer competives leasing terms. Please visit our Inquiry Registration and send in an application today. We can usually have an answer in 24 to 48 business hours. Click here for the Inquiry Form.

Reasons Why Leasing Makes Sense


  1. Fast and Simple Credit Process!
    Just a simple one page application is all the information we usually need to get started.
  2. Affordable Initial Cash Outlay!
    Most banks require as much as a 20% down payment.Leasing requires just the first and last payments as a security deposit.This frees up your cash for other business investments.
  3. Great Tax Advantages!
    Leasing can reduce a company's tax liability, and in some circumstances, this reduction is significant.Since most leases are 100% expensed, a greater amount of tax deduction can be taken versus financing the equipment with a loan where only the interest expense can be deducted.
  4. Upgrade Flexibility!
    Leasing offers the ability to upgrade or replace equipment. In today's rapidly changing high-tech market, equipment can become obsolete in a relatively short time.
  5. Avoid Inflation!
    Leasing costs remain constant throughout the term of the lease.The monthly lease payment remains the same regardless of high inflation or increased interest rates.
  6. Reduce Leverage Appearance!
    In most business accounting practices, leasing is not a balance sheet item. Therefore, leased equipment will not appear as an asset or liability on a company's balance sheet, but in fact, will be treated as an expensed item.As a result, the company will not appear to be leveraged as indicated by a loan liability.
  7. Utilize as a Credit Reference!
    Leasing offers a company the ability to develop a payment track record.This is especially beneficial to new companies or companies that usually pay cash for all equipment and purchases.
  8. Overall Flexibility!
    The equipment leasing process allows for greater flexibility when it comes to credit criteria, payment structuring, and equipment changes.As a result, your time and energy are not wasted in trying to obtain equipment needed for your business.At the termination of the lease, equipment can still be used either by extending the lease, rental, purchase (at fair market value price), or can be credited toward a new equipment purchase.

The Difference Between a Loan & a Lease


  • Loan: A loan requires the end user to invest a down payment in the equipment. The loan finances the remaining amount.

  • Lease: A lease requires no down payment and finances only the value of the equipment expected to be depleted during the lease term. The lessee usually
    has an option to buy the equipment for its remaining value at lease end.

  • Loan: A loan usually requires the borrower to pledge other assets for collateral.

  • Lease J: The leased equipment itself is usually all that is needed to secure a lease transaction.

  • Loan: A loan agreement usually includes restrictive covenants that require the customer to maintain certain financial ratios that may restrict the customer's ability to borrow future funds.  In the event the customer violates one or more of the covenants, the lender has the right to demand payment in full of the outstanding loan amount even though the loan payments have been made on time.

  • Lease: A lease does not contain restrictive covenants that limit the lessee's ability to borrow future funds.  As long as the lessee continues to make their lease payments, the lessor can not disrupt the lessee's use of the equipment or demand the immediate payment of the outstanding lease payments.

  • Loan: A loan usually requires two expenditures during the first payment period; a down payment at the beginning and a loan payment at the end.

  • Lease: A lease requires only a lease payment at the beginning of the first payment period which is usually much lower than the down payment.

  • Loan: The end user bears all the risk of equipment devaluation because of new technology.

  • Lease J: The end user transfers all risk of obsolescence to the lessors as there is no obligations to own equipment at the end of the lease.

  • Loan: End users may claim a tax deduction for a portion of the loan payment as interest and for depreciation which is tied to IRS depreciation schedules.

  • Lease: When leases are structured as true leases, the end user may claim the entire lease payment as a tax deduction. The equipment write-off is tied to the lease term, which can be shorter than IRS depreciation schedules, resulting in larger tax deductions each year. The deduction is also the same every year, which simplifies budgeting (Equipment financed with a conditional sale lease is treated the same as owned equipment.)

  • Loan: Financial Accounting Standards require owned equipment to appear as an asset with a corresponding liability on the balance sheet.

  • Lease: Leased assets are expensed when the lease is an operating lease. Such assets do not appear on the balance sheet, which can improve financial ratios.

  • Loan: A larger portion of the financial obligation is paid in today's more expensive dollars.

  • Lease: More of the cash flow, especially the option to purchase the equipment, occurs later in the lease term when inflation makes dollars cheaper.