Equipment Leasing Types from Liberty Capital Group, Inc.
Structure payments to match cash flow, protect working capital, and choose the right end-of-term outcome—own it, return it, or upgrade.
Terms & Flexible Payment Structures
Equipment leases typically range from 24 to 60 months. Most are monthly, but quarterly and annual schedules are available. We also offer:
- Step Payments: start low and increase each year.
- Delayed/Deferred Payments: use the equipment for 60–120 days before the first payment.
- Seasonal Payments: align payments with your seasonal cash flow.
- Skip Payments: scheduled months with no payment—ideal for seasonal revenue cycles.
- Customized Terms: tailored solutions for unique use-cases.
Match payments to revenue, speed up approvals with “application-only” up to $250,000, and preserve cash for payroll, inventory, and marketing.
Types of Equipment Leases & Agreements
| Type | Best For | How It Works | End-of-Term Options | Key Advantages |
|---|---|---|---|---|
| True Lease (FMV / “Tax Lease”) | Tech or gear prone to obsolescence | Lessor owns equipment; payments may be deductible | Purchase at FMV, continue leasing, or return | Lower payments vs. finance lease; potential tax write-offs |
| Operating Lease | Short-term use; off-balance-sheet treatment | Term shorter than useful life; lessor takes residual risk | Return, extend, or buy at FMV | Lower payments; potential off-balance-sheet financing (confirm with CPA) |
| Capital / Finance Lease (“$1 Buyout”) | Long-term use; eventual ownership | Payments cover most/all value; token buyout | Own for $1 or small % | Ownership; predictable fixed payments |
| Equipment Financing Agreement (EFA) | Larger purchases; flexible terms | Loan-like structure; sales tax often not financed | Ownership (like a loan) | Simplified approval; no large down payment; depreciation benefits |
| Sale-Leaseback | Freeing cash tied in owned assets | We purchase your equipment and lease it back | End per lease type selected | Immediate working capital without losing use of equipment |
| Skip Payment Lease | Seasonal cash cycles | Planned months with no payment and no penalty | End per lease type selected | Cash-flow relief during slow seasons |
| Deferred Lease (60/90/120-Day) | New revenue-producing assets | One advance payment; first regular due after 60–120 days | FMV or $1 buyout options | Let the equipment “earn its keep” before payments start |
Always confirm tax/accounting treatment with your accountant or CPA.
Featured Programs & Benefits
$99 for the First 6 Months
Start with minimal out-of-pocket while the equipment ramps up revenue.
90-Day Deferred Payments
Use the equipment for up to three months before a regular payment is due.
$0 Down / $0 Security Deposit (*OAC)
Preserve working capital; simple, fast approvals.
Startup Equipment Leasing — Credit Requirements
- Active business entity or business license
- Personal guarantees from all owners
- Minimum 625 FICO
- No bankruptcies in the last 7 years
- No unresolved tax liens
How to Apply
All we need is a simple application and a few supporting items:
- Online Application — submit, upload docs, and authorize processing. (Soft inquiry by us; lenders may run hard inquiry upon approval for Equipment Financing only.)
- Equipment Invoice/Quote — multiple vendors welcome; we can bundle into one monthly payment. (Bill-of-Sale accepted for some private sales.)
- 3–4 Months of Bank Statements — verify income, banking, and funds if a down payment is needed; supports ACH autopay setup.
Are You an Equipment Vendor?
If you sell new or used equipment, trucks, trailers, machinery, or medical equipment, we can help you close more deals with a wider credit window and high approval rates. We run a soft inquiry for each applicant.
- Offer on-the-spot financing to your buyers
- Bundle multi-vendor invoices into one monthly payment
- Dedicated underwriting & fast answers
Questions? Call 888-588-4128 for a quick vendor onboarding consult.
Why Choose Liberty Capital
Streamlined “app-only” processes on many tickets
FMV, $1 buyout, seasonal, step, skip, and deferred
Align payments with how your business earns
What We Finance
We cover a wide range of equipment and vehicles—including commercial trucks, waste/recycling equipment, tractors, tube-benders, crushers, cranes, boom lifts, and other heavy-ticket items.
- Less paperwork • Fast processing • No additional collateral (equipment is the collateral)
- Often lower credit thresholds than traditional bank loans
- Application-Only up to $250,000 (many categories)
Ready to Structure the Right Lease?
Choose a payment plan that fits your cash cycle and keeps growth on track.