Equipment Leasing
Use the equipment, preserve your cash, return or buy at lease-end
Lease machinery, vehicles, and technology with flexible end-of-term options — return, renew, or purchase.
Overview
Equipment leasing lets you use machinery, vehicles, or technology without owning it outright, preserving working capital and offering flexibility at the end of the term. Leases typically run 2–5 years with fixed monthly payments. At lease-end you can return the equipment, renew the lease, or purchase the asset at fair market value or a preset price. Leasing is ideal for technology and equipment that depreciates quickly or becomes obsolete, and for businesses that want to conserve cash and keep debt off the balance sheet.
Key Benefits
Lower upfront cost than purchasing
Fixed monthly payments for easy budgeting
Flexibility to upgrade at lease-end
Potential tax advantages — leases may be fully deductible as operating expenses
Ideal For
Technology that updates frequently
Vehicles and fleet for growing businesses
Companies wanting to preserve cash
Businesses preferring operating-expense treatment
How It Works
A clear, structured process from first call to funded.
Equipment & Term Selection
You choose the equipment and lease term that matches its useful life.
Lease Structuring
We structure a fair-market-value, dollar-buyout, or fixed-purchase lease based on your end-of-term plans.
Credit Approval
We secure fast credit approval based on your business profile and equipment value.
Delivery & Payments
The vendor is paid, equipment is delivered, and you make fixed monthly lease payments.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
Operating vs. Capital Lease: The Accounting and Tax Difference
How a lease is classified affects your balance sheet and taxes. We explain the ASC 842 rules and how to choose the structure that fits your financial strategy.
Lease-End Options Explained: FMV, Dollar-Buyout, and 10% PUT
Your end-of-term option drives your monthly payment and total cost. Here is what each means and how to choose based on whether you intend to keep the asset.
Why Leasing Technology Equipment Often Beats Buying
Rapid obsolescence makes ownership risky for tech equipment. We explain the total-cost-of-ownership math that makes leasing the smarter choice for fast-depreciating assets.
Equipment Leasing Case Studies
Real engagements, real outcomes. See how we have structured equipment leasing for clients like you.
Construction Company Leases $100K Excavator
Site-Work Contractor
The Challenge
A contractor needed a new $100K excavator for a multi-year project but preferred to preserve cash and avoid a long-term loan on equipment that might sit idle after the job.
The Teal Bay Solution
Teal Bay structured a 5-year fair-market-value lease with fixed monthly payments, giving the client the option to return, purchase, or upgrade at lease-end.
The Outcome
Client completed the project on schedule, kept cash free for payroll, and returned the excavator at lease-end for a newer model on the next job.
Frequently Asked Questions
Straight answers to the questions we hear most.
Depending on your lease type, you can return the equipment, renew the lease, or purchase it — at fair market value, a preset price, or for $1. We help you choose the right end-of-term option upfront.