Equipment Financing & Leasing in Texas
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 Texas businesses in construction, oil and gas services, logistics 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 Texas Businesses Finance and Lease Equipment
Short answer: Texas 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, with new and used equipment and private-party sales accepted.
Texas runs on equipment. Permian Basin oil and gas service companies, contractors building out Dallas–Fort Worth, Houston, Austin and San Antonio, freight and logistics around the Port of Houston and the I-35 corridor, ranches, manufacturers and a growing wave of data center and semiconductor projects all need iron, trucks and technology.
Growth that fast strains cash. Leasing lets Texas companies add equipment to win the next contract without tying up the working capital they need for payroll and materials.
Equipment We Finance in Texas
Construction & heavy equipment
Excavators, loaders, dozers, skid steers, cranes and paving equipment. Heavy equipment financing
Oil, gas & energy services
Service rigs, pumps, compressors and support trucks. Oil & gas equipment financing
Commercial trucks & trailers
Dump, box, reefer, flatbed and vocational trucks. Commercial truck financing
Data center & electrical contractors
Cable pullers, trenchers, HDD rigs, lifts and test gear. Data center contractor equipment
Warehouse & logistics
Forklifts, racking, conveyors and automation. Warehouse equipment financing
Manufacturing & machining
CNC machines, fabrication, packaging and robotics. CNC machine financing
Equipment Leasing vs Financing in Texas
| 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 |
Texas generally charges sales tax on equipment leases, typically collected with each payment rather than up front. Tax treatment depends on your situation; confirm with your CPA. See lease vs finance for the full comparison.
Why Texas 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.
Texas Equipment Financing by Industry
Guides and pages for Texas businesses by equipment type and industry:
- Commercial truck financing in Texas
- Texas equipment financing guide
- Tips for choosing an equipment loan in Texas
- Landscaping equipment financing in Texas
- Construction equipment financing in Texas
- Wheel loader financing in Texas
- Backhoe financing in Texas
- Box truck financing in Texas
- Warehouse equipment financing in Texas
- Dental equipment financing in Texas
- Chiropractic equipment financing in Texas
- Fitness equipment leasing in Texas
- Landscaping equipment leasing in Texas
- Equipment leasing rates in Texas
- Bad credit equipment financing in Texas
Strong Revenue but Light on Equipment?
Texas businesses with strong revenue that don’t use equipment heavily may be better served by a business term loan or merchant cash advance.
Texas Equipment Financing FAQ
Do you finance oilfield equipment in Texas?
Yes. Service rigs, pumps, compressors, frac support equipment and the trucks that move them can be financed or leased, new or used. Lenders look at the age of the equipment and the strength of your contracts.
Do you work with Texas contractors on large projects?
Yes. Contractors on commercial, infrastructure and data center projects often lease equipment to match a contract, then buy it out for $1 or upgrade at the end of the term.
Can I lease equipment in Texas 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 Texas?
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 Texas?
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 Texas?
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 Texas?
Liberty Capital Group has helped businesses get funded since 2004 — over $250 million funded.
Get a Quote(888) 511-6223