Equipment Leasing and Financing

    True Lease – Operating Lease

​Also called a Fair Market Value Lease, a True Lease allows you to write off each lease payment as an operating expense. When the lease term is up, you can renew the lease, upgrade the equipment, purchase it at Fair Market Value, or send it back.

   Capital Lease

​A Capital Lease is designed for you to own the equipment at the end of the payment period. An easy way for you to purchase the equipment at the end of the term for just $1 (or $101, depending on your state tax laws).

   Rental Agreement

The lender has the ability to structure an agreement as a Rental. Choose the term that suits your needs, commence the agreement, and simply rent the equipment or software. Rental Agreements are a great way to overcome budget constraints.

   Equipment Finance Agreement

​EFA is a simple loan to your business that allows you to buy the equipment you need. Make your payments, and you are done at the end of your term. You choose what to finance, including equipment, shipping, taxes, warranties, etc.

   Deferred Payments

​The unique 90 or 180-Day Deferred Payment Plan gives your company 90 to 180 days to build cash flows before making monthly payments.

   Section 179 Tax Deduction

Section 179 allows businesses to deduct the full cost of qualifying equipment or software purchased or financed during the tax year, instead of capitalizing and depreciating it over time. Under the Tax Cuts and Jobs Act, the maximum deduction increased from $500,000 to $1 million for tax years beginning after 2017, and the phase-out threshold increased from $2 million to $2.5 million. Both limits are adjusted annually for inflation.

For 2024, the Section 179 deduction remains at $1 million, allowing U.S. businesses to deduct the full cost of qualifying equipment up to this limit. The phase-out begins when total equipment purchases exceed $2.5 million, gradually reducing the available deduction. This deduction applies to both new and used equipment that meets the criteria.

Additionally, businesses can take advantage of 100% bonus depreciation, allowing them to write off the full cost of new and used equipment in the year it is placed in service. This benefit is available through 2024, providing significant tax savings for companies investing in equipment.