Equipment Leasing

Exponential Commercial Finance is a leader in the equipment leasing industry. We provide customized equipment leasing options to U.S. companies in numerous industries. We pledge a superior level of professionalism, flexibility, and efficiency in financing your equipment needs.

We have worked with thousands of businesses across hundreds of industries with equipment financing. Through each transaction we continue to learn what you want, what you are challenged with and how creative financing can help turn those challenges into opportunity.

From this experience we craft the best equipment financing option for you based on various factors including your business needs, monthly budget, time in business, credit tier, equipment cost and equipment type.

No one works harder to get you the equipment financing that you need to keep your business moving. Contact us today. A commercial finance advisor will review your financial information with you and then recommend the best financing option for you.


Common Industries Funded

Medical & Dental Computers & Office Hotel/Motel
Tow Trucks Auto Repair Construction
Machine Tools Waste Management Restaurant
Agricultural Landscaping Industrial

Types of Leases We Offer

  • Application only to $75,000. No financial statements necessary.
  • Middle market financing up to $500,000
  • Large ticket over $500,000
  • Little or No Down Payment
  • Numerous Payment Structures

Sale & Lease Back

Many companies need working capital for expansion and don't want to use their bank lines for working capital. We have a program where we can use the equity in your existing equipment to give your company the working capital it needs. We buy your equipment and lease it back to you and when all the payments are made you own the equipment again. This includes business equipment leasing, heavy equipment leasing and industrial equipment leasing as well.


Startup Program

Most financial institutions will not finance companies that are just going into business. If your company has just started in business, or is in business for a short time usually less than two years, we can help you grow by financing the equipment you need to be successful.


B, C and D Credits

In these tough economic times many businesses have suffered financially. Additionally, the owners of these companies have seriously damaged their personal credit. We have developed a “second chance” program to help these companies. We can structure your financial needs to help you rebuild your company.


Government and Municipal Leasing

We can provide lease financing to any government or municipal entity with guaranteed approval. The rate is determined by the rating of the municipality or government agency. A partial list of who we finance is listed below:

  • Federal Government Agencies
  • Armed Services
  • State Agencies
  • Public Schools
  • Police Department
  • Fire Houses
  • Libraries

The above list is only an example of what we can finance. We can finance any state or federally controlled entity. Please contact us so one of our finance specialists can discuss your specific needs and how we can arrange the financing your company requires.


Why Lease?

Leasing is the right choice!

Leasing is one of the fastest growing ways of acquiring equipment in business today. Recent surveys found that 80% of U.S. businesses, from Fortune 500 to the local family business, lease some portion of their equipment. A growing business often faces the dilemma of limited cash flow and the need to add equipment. Leasing can put the equipment to work for you with real cash flow advantages and without major capital investment. We can lease virtually any type of equipment, including software and installation.


Low monthly payments

The monthly lease payment will usually be lower than the payment required by other methods of financing.


No need to tie up capital

Keep your business’ cash for future needs, unexpected expenses or working capital when revenues are low.


You can always lease equipment – you can’t lease money!

Most types of financing require down payments of up to 25%, whereas leasing covers 100% of the cost of the equipment. Most leases require only one or two payments in advance. Get immediate use of the equipment with minimal up-front cost.


Preserve existing lines of credit

Leasing has no impact on your bank credit lines. Protect your borrowing power for other business needs or opportunities.


Eliminate obsolescence

Technology is changing at a rapid fire pace. What meets your business’ needs today may be obsolete three years from now. Leasing allows you the flexibility to maintain a competitive edge by giving you today’s best technology then allowing you to upgrade when the equipment has outlived its advantage.


Fixed payments through the term of the lease

Unlike bank lines of credit that usually have variable rates, lease payments are fixed no matter what happens in the market. By choosing to lease you won’t be a victim of skyrocketing interest rates. Remember the 80’s when rates rose from 9% to over 20% in one year? That can’t happen with leasing.


Significant tax and accounting advantages

Leasing eliminates the need for complicated depreciation schedules since lease payments are generally line item expenses on your P&L statement. And since lease payments can usually be treated as a pre-tax business expense you may even reduce your taxes. Paying cash for equipment automatically adds 30-40% to the cost when you realize that cash = profits and taxes are paid on profits. Leasing is the right choice! It minimizes demands on cash flow, eliminates obsolescence, keeps your bank lines open, saves on taxes and shelters you from the market.