Equipment Leasing
Use the Equipment You Need Today — Without Tying Up Capital or Owning the Obsolete Tomorrow
Lease machinery, vehicles, and technology from $10K to $5M with little to no money down and flexible end-of-lease options — $1 buyout, fixed-price purchase, or fair market value return.
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Rates, terms, fees, and funding timelines vary by lender, applicant eligibility, and program requirements.
Equipment leasing lets a business use machinery, vehicles, or technology for a fixed monthly payment without purchasing the asset outright. At the end of the lease term, the business chooses what happens next — return the equipment, purchase it at a predetermined price, or (with some structures) buy it for a single dollar. This flexibility is the core advantage of leasing over a straight equipment loan: you decide whether the asset is still worth owning only after you've used it.
Leasing is available for virtually any business equipment: construction and heavy machinery, commercial trucks and delivery vehicles, manufacturing and CNC equipment, restaurant and kitchen fixtures, medical and dental technology, IT hardware and servers, office furniture, and fitness equipment. If it is a tangible asset that helps your business generate revenue, there is generally a lessor in our network who will lease it.
The U.S. Small Business Administration notes that leasing can be a smart way to access equipment without a large upfront outlay, and the IRS allows businesses to deduct lease payments as an operating expense in most cases — meaning the full monthly payment is typically deductible, rather than only the interest portion as with a loan. Your accountant can confirm how this applies to your specific tax situation.
The most often overlooked advantage of leasing is protection from obsolescence. Technology, medical devices, and certain machinery lose value quickly as newer models arrive. A lease lets you upgrade to current equipment every few years without the hassle and loss of selling or trading in outdated assets. For businesses where staying on current technology is a competitive requirement, leasing can be more cost-effective than owning.
A Simple, Fast Process
Identify Your Equipment
Know what you need to lease — make, model, and cost. We match you with lessors who lease that specific equipment type.
Choose a Lease Structure
Select the end-of-lease option that fits your plans: $1 buyout (own it cheap), fixed-price purchase, or fair market value return. Each structure carries different monthly payments and tax treatment.
Get Approved
A soft credit check determines your eligibility across our lessor network. Because the equipment secures the lease, credit requirements are often more flexible than unsecured financing.
Take Delivery & Pay Monthly
The lessor pays the vendor and you take delivery. You make fixed monthly lease payments and, at term's end, exercise your chosen purchase or return option.
How Businesses Use This Financing
Stay Current on Technology
Rotate servers, medical imaging, or POS systems on a 2–3 year cycle so your business always runs current hardware.
Commercial Fleet Leasing
Lease trucks, vans, or delivery vehicles for a predictable monthly cost and a fresh fleet at each term's end.
Construction & Heavy Machinery
Access excavators, loaders, or cranes with little money down and return them when the project wraps.
Restaurant Build-Outs
Lease ovens, refrigerators, and prep stations to open or upgrade a kitchen without draining working capital.
Preserve Cash & Credit
Keep your bank line and cash reserves free for operations while the equipment pays for itself from the revenue it generates.
- Little to no money down — preserve working capital
- Fixed monthly payments for easy budgeting
- Flexible end-of-lease options — own it, return it, or upgrade
- Lease payments are typically 100% tax-deductible as an operating expense
- The equipment itself secures the lease — easier approval than unsecured loans
- Protection from obsolescence — upgrade to current equipment each cycle
- Builds business credit with on-time payments
- Available to newer businesses — some lessors accept startups
- ◆Personal credit score 600+ (varies by lessor)
- ◆Equipment details and vendor quote
- ◆Business financials (some lessors)
- ◆Time in business varies — some accept startups
- ◆Equipment must be for business use
- ◆Personal guarantee may be required for newer businesses
- ◆Down payment may be required for lower credit scores
The Print Shop That Stayed Current Without Going Broke
How a $1 buyout lease replaced an aging press and protected cash flow
A commercial print shop in Tampa had been running the same six-color offset press for nine years. Maintenance costs were climbing, jobs were slowing, and larger clients were starting to ask about the shop's color-consistency capabilities — something a newer press handled far better. A new press cost $220,000, and the owner was reluctant to drain his cash reserves or max out his bank line to buy one outright, especially with a second location on the horizon.
He came to Let's Syndicate and was matched with an equipment lessor who specialized in printing and graphics machinery. They structured a 60-month lease with a $1 buyout at the end — meaning he would own the press for a single dollar after five years. The monthly payment was $4,650, and the lessor required only one month down. The press was delivered in three weeks, paid for directly by the lessor.
The new press ran jobs 40% faster with tighter color tolerance, letting the shop take on the larger clients it had been losing. The owner deducted the full monthly lease payment as an operating expense (confirming with his CPA), which lowered his effective cost meaningfully. At the end of the term he exercised the $1 buyout, owned the press outright, and had built enough additional cash flow to open the second location — all without tying up a dollar of his reserves in the equipment itself.
Result: $220K press leased on a 60-month $1 buyout. $4,650/mo, one month down. 40% faster throughput. Owned for $1 at term end. Cash reserves preserved for a second location.
Owning Equipment Isn't Always the Smartest Way to Use It
Many business owners default to buying equipment because owning feels safer than leasing. But ownership ties up capital in a depreciating asset, locks you into that asset until you can sell it, and exposes you to obsolescence the moment a newer model arrives. For equipment that loses value quickly or needs regular upgrading, leasing can be the lower total cost and the lower risk.
Let's Syndicate puts your single lease application in front of multiple equipment lessors simultaneously. You compare monthly payments, end-of-lease options, and tax treatment side by side — and choose the structure that fits how you actually plan to use the equipment. We help you weigh a $1 buyout against a fair market value lease against a straight equipment loan, so the decision is based on your numbers, not a lender's preference.
- Compare $1 buyout, fixed-price, and fair market value leases in one place
- Lessors matched to your equipment type — printing, medical, fleet, construction
- Lease-vs-buy analysis so you choose the lower total cost
- One soft credit pull across multiple lessors — no score dings
- Little to no money down to preserve working capital for operations
Common Questions About Equipment Leasing
A $1 buyout lease (a capital lease) gives you the option to purchase the equipment for $1 at the end of the term — you effectively own it from day one for accounting purposes, and monthly payments are usually higher. A fair market value (FMV) lease (an operating lease) lets you return the equipment, upgrade, or buy it at its then-current market value — monthly payments are typically lower, and you can deduct the full payment as an operating expense. A $1 buyout is best when you intend to keep the equipment; an FMV lease is best when you plan to upgrade.
With a true operating (FMV) lease, the full monthly payment is typically deductible as an operating expense, which can be more favorable than a loan where only the interest portion is deductible. With a $1 buyout (capital) lease, you generally depreciate the equipment and deduct interest, similar to a purchase. Always confirm your specific treatment with your CPA or tax advisor, as rules depend on lease structure and your business situation.
Often no. Many leases require little to no money down — sometimes just the first monthly payment. For lower credit scores, higher-risk equipment, or very new businesses, a lessor may ask for a small advance payment. Let's Syndicate helps you find lessors with the lowest upfront requirement for your profile.
Yes. Because the equipment itself secures the lease, lessors are often more flexible than unsecured lenders — many accept credit scores from 600 and some go lower. A lower score may mean a slightly higher payment, a larger advance, or a personal guarantee. We match you to lessors whose credit requirements fit your profile.
Yes, many lessors finance both new and used equipment. The age and condition may affect the term and rate, and some lessors have age limits for certain asset types. Let's Syndicate connects you with lessors who lease the specific equipment you need, new or used.
It depends on your structure. With a $1 buyout lease, you pay $1 and own the equipment. With a fixed-price lease, you can buy it at a price set at signing. With an FMV lease, you can return it, extend the lease, or buy it at fair market value. Many lessors also let you upgrade into new equipment and roll into a fresh lease.
Move forward and Let's Syndicate.
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Let's Syndicate is a business funding marketplace. All credit decisions, rates, terms and outcomes are determined by participating lenders, investors or third-party providers.