Equipment Financing & Leasing in Florida
Get $10K–$500K for equipment or working capital. Soft estimate in about 60 seconds. No credit pull, no obligation.
Borrow $100,000, pay $2,124/mo*
Borrow $35,000, pay $743/mo*
Borrow $250,000, pay $5,311/mo*
Funding Florida businesses in hospitality, construction, healthcare and more. Most of our lenders fund nationwide.
Equipment leasing · Working capital · Lines of credit · Term loans · SBA · Factoring
*Payment examples are estimates for illustration only. Sample rates apply to businesses with 3–5+ years in business and strong 680+ credit, subject to approval. Startup and lower-credit rates vary and are subject to final approval. Actual amounts, rates, terms and payments depend on credit, business financials and lender requirements. Liberty Capital Group, Inc. is a commercial lender and broker, NMLS #2009539. Loans made or arranged pursuant to a California Financing Law license, DFPI #60-DBO49692. Not affiliated with any state government.
How Florida Businesses Finance and Lease Equipment
Short answer: Florida businesses finance equipment with a $1 buyout lease or equipment loan to own it, or a fair market value lease for the lowest payment. Terms run 24 to 60 months (up to 72 on newer heavy equipment), and many approvals are application-only. Liberty Capital Group also has an office in Miami.
Florida keeps building. Construction and site work across Tampa, Orlando, Jacksonville and South Florida, hospitality and restaurants, one of the largest healthcare markets in the country, port and logistics operations in Miami and Jacksonville, and agriculture all depend on equipment that runs hard in heat and humidity.
That wear means Florida businesses replace equipment often. Leasing keeps payments predictable and lets you upgrade instead of nursing old units through another season.
Equipment We Finance in Florida
Construction & heavy equipment
Excavators, loaders, dozers, skid steers, cranes and paving equipment. Heavy equipment financing
Medical & dental
Imaging, exam, lab and dental equipment for practices and clinics. Medical equipment financing
Restaurant & hospitality
Kitchens, refrigeration, kiosks and POS for multi-unit operators. Restaurant equipment financing
Commercial trucks & trailers
Dump, box, reefer, flatbed and vocational trucks. Commercial truck financing
Warehouse & logistics
Forklifts, racking, conveyors and automation. Warehouse equipment financing
Landscaping & tree care
Mowers, compact equipment, chippers and trucks. Landscape equipment financing
Equipment Leasing vs Financing in Florida
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease | Fixed payments; own it for $1 at the end | Equipment you’ll keep for years |
| Fair market value (FMV) lease | Lowest payment; buy, renew or return at the end | Tech and equipment you upgrade every few years |
| Equipment loan / EFA | You own it from day one | Long-life equipment and the full Section 179 deduction |
| Sale-leaseback | Turn equipment you already own into cash | Freeing up capital for growth |
Florida generally charges sales tax on equipment lease payments, typically collected with each payment. Tax treatment depends on your situation; confirm with your CPA. See lease vs finance for the full comparison.
Why Florida Businesses Lease Equipment
Conserve cash
Keep cash and bank lines for payroll, materials and growth.
Cash flow management
Low capital outlay compared with buying outright.
Low, manageable payments
Terms up to 60 months spread the cost.
Inflation buster
Lock today’s price with a fixed payment.
$1 buyout
Own the equipment for $1 at the end of most leases.
Section 179
Qualifying equipment may be deductible in year one. Ask your CPA.
What It Takes to Qualify
- Time in business: 2+ years preferred; startups can qualify with strong credit, a down payment or a co-signer
- Credit: owner personal credit plus business credit (PayNet, D&B)
- Bank statements showing the business can carry the payment
- An equipment quote or invoice from the dealer or private seller
- Terms: 24 to 60 months; up to 72 months only on newer heavy equipment
- Application-only approvals for many deals; amounts depend on credit, time in business and equipment type
$0 down is generally reserved for well-qualified businesses: 5+ years in business, established PayNet and D&B business credit, and 700+ personal credit.
Florida Equipment Financing by Industry
Guides and pages for Florida businesses by equipment type and industry:
- Equipment leasing companies in Florida
- Small business loans in Florida
- Best small business lenders in Florida
- Construction equipment financing in Florida
- Wheel loader financing in Florida
- Backhoe financing in Florida
- Box truck financing in Florida
- Refrigerated truck financing in Florida
- Warehouse equipment financing in Florida
- Dental equipment financing in Florida
- Chiropractic equipment financing in Florida
- Fitness equipment leasing in Florida
- Landscaping equipment leasing in Florida
- Equipment leasing rates in Florida
Strong Revenue but Light on Equipment?
Florida businesses with strong revenue that don’t use equipment heavily may be better served by a business term loan or merchant cash advance.
Florida Equipment Financing FAQ
Do you have an office in Florida?
Yes. Liberty Capital Group has an office in Miami in addition to our San Diego headquarters, and we fund Florida businesses statewide.
Do you finance medical equipment for Florida practices?
Yes. Imaging, surgical, dental, chiropractic and lab equipment for practices, clinics and surgery centers, new or refurbished.
Can I lease equipment in Florida with bad credit?
Often, yes. Lenders look at time in business, cash flow and the equipment itself, not just the credit score. Expect a larger down payment or a shorter term with credit challenges.
How long are equipment financing terms in Florida?
Most equipment is financed over 24 to 60 months. Newer heavy equipment can go to 72 months; used equipment is capped at 60.
Can a startup get equipment financing in Florida?
Yes, with strong personal credit, a down payment, industry experience or a co-signer. Startups usually see shorter terms and more paperwork.
Is it better to lease or finance equipment in Florida?
Finance or take a $1 buyout lease for equipment you’ll keep for years. Take a fair market value lease for equipment you’ll upgrade within a few years or when you want the lowest payment.
Do you finance used equipment and private-party sales?
Yes. Used equipment from dealers, auctions and private sellers can be financed, usually with terms up to 60 months depending on age and condition.
Ready to Finance Equipment in Florida?
Liberty Capital Group has helped businesses get funded since 2004 — over $250 million funded.
Get a Quote(888) 511-6223