Overview
Purchase to own, or lease to preserve capital
Equipment financing lets the asset largely secure its own loan, which makes it one of the more approachable products for growing businesses — many deals are app-only up to a threshold, without the full document package a real estate loan requires.
A purchase loan builds equity in the equipment over the term. A lease preserves cash and can offer tax advantages depending on structure, often with an option to buy out at the end. We'll walk through both against your cash flow and tax picture so you're not guessing.
Ideal for
- Purchasing new or used equipment
- Fleet vehicles and specialty trucks
- Technology, medical, or industry-specific machinery
- Sale-leaseback to unlock cash from equipment you already own
- Businesses that want to preserve cash with a lease structure
At a Glance
Typical deal parameters
General ranges — many equipment lenders offer app-only approval in the lower end of this range.
Larger or specialized equipment purchases may require full financials rather than app-only approval.
Why LendHaven
Fast approvals, without the wrong structure
Equipment lenders move quickly, but purchase-vs-lease and rate/term tradeoffs matter more than most borrowers realize. We help you pick the structure that fits your tax situation and cash flow, not just the fastest yes.