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Operating Lease:

Operating leases are off balance sheet allowing you to expense 100% of the monthly lease payments rather than taking depreciation.  The leasing company retains ownership of the equipment.  At the end of the lease you have the option to purchase the equipment or extend your lease.  

Capital Lease:

Sometimes referred to as a finance lease, these leases do not fit operating lease guidelines.  With a capital lease, the leasing company retains ownership of the equipment.  At the end of the lease term, the equipment can be purchased for $1.00 or some other pre-determined fixed price.  This type of lease allows you to depreciate your equipment and take advantage of the Section 179 Tax Deduction.

Equipment Finance Agreement (EFA):  Equipment Finance agreements are standard finance programs whereby the customer retains title to the equipment and the finance company has a security interest in the equipment.  There are no purchase options at the end of the lease term, and the borrower retains title to the equipment.  EFAs are an attractive alternative to bank financing because of the flexibility in structure, minimal down payment, and ease of approval.  This structure also allows the borrower to take advantage of the Section 179 Tax Deduction.

Deferred Payment Plan:  

Oftentimes, whether you are starting a new contract or getting your equipment ordered and installed, there is a ramp up period.  The Deferred Payment Plan can be the answer by offering deferred payments at the beginning of the term for up to 90 days.  This allows you to get your equipment operational and profitable before you start making payments.

Seasonal Payment Plan:

Many industries are seasonal as they deal with the natural ebbs and flows of seasonal business cycles.  Example of this include landscaping companies, winter resorts, and agricultural companies.  These programs allow you to make larger payments during your peak months, and minimal payments during your down months.

  The Section 179 tax deduction allows businesses to immediately expense the cost of qualifying equipment and software instead of depreciating it over several years. For 2026, businesses can deduct up to $2,560,000, with the benefit beginning to phase out once total qualifying purchases exceed $4,090,000. It is designed to encourage investment by letting companies deduct the full purchase price of eligible assets placed in service during the tax year, subject to those limits. It generally applies to tangible business property such as machinery, vehicles, and certain improvements to nonresidential real estate.