Equipment Leasing for Your Business
Lease the equipment your business needs without tying up working capital. Lower monthly payments, flexible end-of-lease options and off-balance-sheet structures available. Buckle Up Capital connects businesses with equipment lessors nationwide.
Program Parameters
Equipment leasing at a glance
Programs vary by capital source. Final terms disclosed at offer.
$10K to $5M
Lease Amount
From 6.99%
Rates
24 to 84 Months
Terms
24 to 72 Hours
Close Time
Leasing vs buying: which is right for you?
Both structures give you the equipment your business needs. The right choice depends on how long you plan to use the asset, whether ownership matters and how each structure fits your balance sheet and tax strategy.
| Factor | Leasing | Buying (Loan) |
|---|---|---|
| Ownership | Lender owns the asset during term | You own the asset from day one |
| Balance Sheet | Operating leases kept off balance sheet | Asset and liability both appear on balance sheet |
| Tax Treatment | Lease payments fully deductible as operating expense | Depreciation deducted over IRS useful life schedule |
| Upgrade Flexibility | Return or upgrade at term end | Must sell or trade in to upgrade |
| Monthly Cost | Lower monthly payment than a loan | Higher monthly payment; you build equity |
| Best For | Fast-depreciating tech, fleet, medical equipment | Long-life assets like heavy construction equipment |
Not sure which structure makes more sense for your business? Tell us what equipment you need and we will show you real payment estimates side by side for both a lease and a loan from our network of capital sources.
Equipment types we lease
Our network of capital sources covers most commercial equipment categories. If you do not see your asset type listed, contact us. We handle specialized and niche equipment requests regularly.
Construction and Heavy Equipment
Excavators, skid steers, compactors and paving equipment. Leasing heavy iron makes sense for contractors who need newer machines on each job site without long-term ownership commitment.
Commercial Vehicles
Fleet vehicles, delivery vans, box trucks and service trucks. Leasing commercial vehicles allows businesses to upgrade to newer models at term end while keeping fleet payments predictable.
Medical and Dental Equipment
Imaging systems, diagnostic tools, dental chairs and surgical equipment. Medical equipment evolves quickly. Leasing lets practices upgrade to the current generation without owning outdated technology.
Restaurant and Food Service
Commercial ovens, refrigeration, ventilation systems and prep equipment. Restaurant equipment leasing works well for operators opening new locations or replacing end-of-life kitchen assets.
Office Technology and IT
Servers, workstations, networking hardware and managed IT infrastructure. Technology leases typically run 24 to 36 months to align with product refresh cycles and avoid holding obsolete hardware.
Manufacturing Equipment
CNC machines, press brakes, injection molding and assembly equipment. Leasing manufacturing assets frees capital for materials, labor and growth rather than tying it up in depreciating machinery.
Why lease instead of buying outright?
Preserve Working Capital
Leasing requires little to no down payment. Instead of deploying $100,000 in cash for a piece of equipment, you spread the cost over monthly payments and keep that capital available for payroll, materials and growth.
Stay Current on Technology
For medical imaging, IT infrastructure and office technology, owning means you hold the depreciation risk. Leasing lets you return the equipment at term end and upgrade to the current generation without selling a used asset.
Off-Balance-Sheet Financing
Operating leases do not appear as debt on your balance sheet, which can improve key financial ratios. This matters to businesses that need to maintain specific debt-to-equity levels for banking covenants or bonding capacity.
Fully Deductible Payments
Lease payments on operating leases are generally fully deductible as business expenses in the year they are paid. This differs from equipment loans where you deduct depreciation over the IRS-defined useful life of the asset. Consult your accountant on your specific tax situation.
How equipment leasing works
Tell us what equipment you need, the vendor and the price. Five minutes online. No credit pull required at this stage.
We match your request to capital sources in our network that offer leasing programs for your equipment type and credit profile. Expect a term sheet in 24 to 48 hours.
Review the lease structure: operating vs capital, term length, end-of-lease options. We walk through the details so you understand exactly what you are signing.
Lease closes, equipment delivers. You start generating revenue from the asset on day one while monthly payments come out of that revenue.
Equipment leasing is often faster to close than a traditional loan because the underwriting focuses on the equipment value and your payment capacity rather than a full business financial review. For most deals under $100,000, the process requires little more than a one-page application and basic business information.
For larger transactions, capital sources typically ask for two years of business tax returns, a recent profit and loss statement and the equipment quote or invoice. We coordinate the documentation process so you can stay focused on your business.
Equipment leasing questions
All financing facilitated by Buckle Up Capital is for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Financing is placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Other business financing solutions
Equipment Financing
Compare leasing to equipment loans and find the right structure for your business.
Heavy Equipment Financing
Specialized programs for excavators, cranes, dump trucks and other heavy iron.
Equipment Programs
Full overview of equipment financing and leasing programs available through our network.
Working Capital
Lines of credit and business loans to cover operating costs alongside your lease.
Get the equipment your business needs today.
Submit your equipment request and we will match it to leasing programs in our network. No credit pull at intake. Term sheet in 24 to 72 hours.