Equipment financing is a loan provided by Liberty Capital Group to help businesses purchase the equipment they need. You can borrow up to 100% of the equipment’s value and repay the loan over a set term with interest. At the end of the loan, you own the asset.

Equipment leasing is a rental agreement where Liberty Capital Group purchases the equipment and leases it to your business. At the end of the term, you may:

• Purchase the equipment (e.g., $1 buyout, FMV, or % option)
• Return it
• Renew the lease

We finance and lease a wide range of equipment, including:

• Heavy machinery & construction equipment
• Medical and healthcare equipment
• Office technology & IT hardware
• Manufacturing & production tools
• Commercial vehicles and fleets

• Ownership at the end of the term
• Tax benefits such as depreciation (Section 179)
• Predictable monthly payments
• Preserves working capital & cash flow

• Good credit score (varies by lender)
• 1–2 years in business (startups may qualify for leasing)
• Financial statements and/or tax returns
• Collateral or security deposit may be required for bad credit
• Full financials for larger-ticket items

• Lower upfront costs
• Flexibility to upgrade equipment
• Possible tax deductions (lease payments may be expensed)
• Preserves credit lines for other business uses
• Leasing typically does not appear on personal credit (corporation-only structure applies)

• Fair Market Value (FMV) Lease: Option to buy at fair market value, continue leasing, or return.
• $1 Buyout Lease: Own the equipment at the end for $1 (similar to a financed purchase).
• 10% Purchase Option Lease: Buy the equipment at 10% of original cost at lease-end.

Yes. Liberty Capital Group offers financing and leasing for both new and used equipment. Terms and rates depend on the age and condition of the asset.

Most applicants receive a decision within 24–48 hours. Funding typically occurs within a few days depending on transaction complexity.

If you encounter difficulties, contact us immediately. We may be able to restructure payments or provide other accommodations. Ignoring missed payments can impact credit and future borrowing ability.

Common fees may include:

• Application and documentation fees
• Origination fees
• Title, admin, or sales tax fees
• Advance or balloon payments (depending on structure)