Equipment Capital Leases
A capital lease, also known as a lease-to-purchase or finance lease, is a simple way to finance the equipment your business needs today while planning for ownership tomorrow. With fixed monthly payments and the option to own the equipment at the end of the lease, your business can build equity while preserving cash flow.
Industrial Equipment Capital makes it easy with streamlined paperwork, speedy approvals, and flexible terms tailored to your operation.
Why Choose a Capital Lease with IEC?
When you need equipment financing that works as hard as you do, IEC delivers. Our capital leases provide a smart alternative to traditional loans or large upfront purchases. Whether you’re looking to build equity, manage your cash flow, and plan for long-term growth, our offerings are built around your goals.
With a capital lease from IEC, your monthly payments and interest rate are fixed for the life of the lease, providing stability regardless of market fluctuations and making it easier to forecast costs, manage budgets, and stay on track without financial surprises.
Fixed payments over a set term make it easier to forecast costs, manage budgets, and stay on track without financial surprises, ideal advantages for small businesses.
Capital leases may qualify for tax advantages such as depreciation and interest expense deductions under Section 179 and bonus depreciation. We advise our partners to consult their tax advisors for more information.
IEC structures leases outside your existing banking relationships so, your credit lines remain available, and your cash stays in your business where it belongs.
Unlike traditional banks or general lenders, IEC has deep roots in manufacturing. We understand your equipment, your production goals, and the urgency behind your timelines.
From payment schedules to end-of-lease options, IEC structures each capital lease around your business. Want to own the equipment for $1.00 or $101.00 at the end? Need custom monthly payments or a specific lease duration? Not a problem. In 90% of cases, our customers define the structure, and we make it happen.
Whether you’re financing a single machine or multiple units, IEC has the resources and flexibility to say yes fast. We make it easy to scale with your operation, without complicated paperwork and the back-and-forth you might expect with traditional lenders, allowing you to access the tools you need now and pay over time as your business scales.
Our short application and ability to approve leases within as little as 6-8 hours make it easy to get the financing you need without delays or red tape.
IEC combines industry insight with financial expertise to provide equipment leasing solutions that help your business grow with confidence. Apply for your manufacturing equipment loan today.
What Equipment Can You Finance with a Capital Lease?
IEC Financial works with businesses in a wide range of industries and finances industrial and commercial equipment, including:
CNC Machines and Machine Tools
Material Handling and Forklifts
Lasers and Fabrication Tools
Injection Molding Equipment
Paving and Heavy Equipment
Additive Manufacturing Machines
Boom and Scissor Lifts
As a trusted equipment loan company for small businesses, we can finance a variety of machines and tools for your unique operation. Don’t see your equipment listed here? Contact us today for more information.
Frequently Asked Questions About Capital Leases
A capital lease, also called a finance lease or lease-to-purchase, is equipment financing with fixed monthly payments and the option to own the equipment when the term ends. Unlike a rental, each payment moves you toward ownership. IEC structures the buyout upfront so the path to ownership is set before you sign.
A capital lease builds toward ownership, while an operating lease pays only for the use of the equipment. Under a capital lease, the equipment is recorded as your asset, and you typically buy it out at the end of the term. Operating leases carry lower monthly payments but leave ownership with the lessor. IEC offers both, and the right fit usually comes down to whether you plan to keep the machine long term.
IEC finances industrial and commercial equipment across a wide range of industries and tool types, including CNC machines and machine tools, forklifts and material handling equipment, lasers and fabrication tools, injection molding equipment, additive manufacturing machines, paving and heavy equipment, and boom and scissor lifts. If your equipment isn’t on that list, contact the IEC team, since the company regularly finances machines and tools outside these core categories for small business operations.
Yes, both the monthly payment and the interest rate on an IEC capital lease are fixed for the life of the lease. Your cost doesn’t change with market fluctuations, making budgets easier to forecast over a multi-year period. Fixed payments are one of the main reasons small businesses choose a capital lease over variable-rate financing.
Yes, ownership is the point of a capital lease. At the end of the term, you exercise a buyout, and the equipment is yours. IEC lets customers define the structure in about 90% of cases, including the buyout amount, payment schedule, and lease duration, so the path to ownership is set before you sign.
Capital leases may qualify for depreciation and interest expense deductions, including Section 179 and bonus depreciation. Because the equipment is treated as your asset, you can often deduct its cost faster than you pay for it. Tax treatment depends on your business’s situation, so IEC advises partners to confirm specifics with their tax advisors. Our Section 179 tax incentives page covers the current deduction limits.
A capital lease from IEC doesn’t affect your existing bank credit lines. IEC structures capital leases outside your existing banking relationships, so, your credit lines stay open and available for operations while the lease covers the machine.
A capital leasing company like Industrial Equipment Capital moves faster and understands the equipment better than a general lender. IEC has deep roots in manufacturing and works with a wide network of banks and lending partners. Customers who previously financed directly through banks consistently point to the difference in speed and paperwork. The industrial equipment capital financing IEC provides is built around production timelines, not a general lender’s checklist.
IEC can approve capital leases in as little as 6 to 8 hours. The short application eliminates most of the back-and-forth of traditional lending. For a quick approval on your capital lease, start your application today.
Start with IEC’s online credit application. Once submitted, the IEC team reviews your application, structures terms around your preferred payment schedule and buyout option, and moves toward approval, often the same day. Complete the credit application to get started, or call (909) 596-2627 to talk through the equipment and terms first.
