When your business needs equipment but doesn't have the cash on hand to purchase it outright, there are two structured options: equipment financing and equipment leasing.

Equipment Financing

Best for equipment you intend to use long-term. The equipment itself typically serves as collateral, with fixed interest rates typically ranging from 8% to 30%. You own the asset outright upon payoff.

Equipment Leasing

Better suited for equipment that updates frequently. Monthly payments are typically lower than a loan, no down payment is generally required, and you can trade in for a newer model at the end of the lease term.

Eligible Equipment Types

Construction machinery and vehicles
Restaurant equipment and refrigeration
Medical and dental devices
Technology and IT hardware
Manufacturing tools and machinery
Any equipment your business uses

Common Questions

Frequently asked about Equipment Leasing & Financing.

Almost any business equipment qualifies — construction machinery, restaurant equipment, medical devices, vehicles, technology, manufacturing tools, and more.

With equipment financing (a loan) you own the asset at the end of the term. With leasing you make lower monthly payments and can trade in for newer equipment at lease end.

Equipment financing typically requires 10–20% down. Equipment leasing often requires no down payment. RFR Capital will recommend the structure that best fits your cash flow.

Equipment Leasing & Financing

Equipment Financing

Equipment Leasing

Eligible Equipment Types

Frequently asked about Equipment Leasing & Financing.

Ready to apply for Equipment Leasing & Financing?