Equipment Leasing
Use equipment through a lease without owning it outright.
Equipment leasing lets you use equipment for a set term in exchange for regular payments — you don't own the asset during the lease. At the end, depending on the lease type, you may return it, renew, or purchase it. Leasing can preserve capital and keep equipment current, but you don't build equity the way financing does.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
Equipment Leasing
Program-specific—request a funding review
- Minimum credit
- Program-specific—request a funding review
- Time in business
- Program-specific—request a funding review
- Financing amount
- Program-specific—request a funding review
- Term / structure
- Lease term tied to equipment life; return, renew, or buy at end
- Ownership
- Lessor owns the equipment during the lease
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Technology that becomes obsolete quickly
- Vehicles and fleet you'd rather not own
- Seasonal or project-specific equipment
- Preserving working capital for other uses
When it fits
- You need equipment for a defined period
- You want to avoid a large upfront purchase
- The equipment depreciates or becomes outdated fast
How it generally works
- 1You select equipment and a lease term.
- 2You make regular lease payments for the term.
- 3At lease end, you return, renew, or buy depending on the lease type.
Factors funding partners may consider
- Equipment type and residual value
- Business credit and time in business
- Lease structure (operating vs. capital)
- Business revenue
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Equipment quote or specification
- Credit application
Additional Underwriting & Closing
- Business bank statements as required by the selected program
- Business tax returns (when applicable)
- Personal identification
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
A growing agency leases laptops and servers for a three-year term, then upgrades at lease end — avoiding a large upfront purchase. Actual terms depend on the partner and equipment.
How it compares to related products
vs. Equipment Financing
Leasing is usage without ownership; financing builds ownership over time.
Learn morevs. Working Capital
Leasing is tied to a specific asset; working capital is flexible cash for any use.
Learn moreFrequently asked questions
Ready to explore equipment leasing?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.