Golden Sun Funding provides businesses with affordable leasing options for the equipment they need to operate and grow. Our programs reduce upfront costs, preserve cash flow, and offer potential tax benefits.
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Equipment leasing is a strategic financing solution that allows businesses to acquire and use essential equipment without the substantial upfront capital investment required for outright purchases. Instead of depleting working capital or taking on significant debt, businesses make predictable monthly payments over a predetermined lease term while enjoying immediate access to the equipment they need to operate and grow.
Unlike traditional loans where you own the equipment from day one, leasing provides flexibility in ownership decisions. At the end of the lease term, you typically have options to purchase the equipment at fair market value or for a predetermined amount, return it, or upgrade to newer models—giving your business the adaptability to respond to changing technology and operational needs.
Equipment leasing represents one of the most flexible and cash-flow-friendly methods of acquiring business equipment. This financing approach has become increasingly popular across industries as businesses recognize the advantages of preserving capital while maintaining access to state-of-the-art equipment. The leasing industry facilitates billions of dollars in equipment acquisitions annually, supporting business growth across all sectors of the economy.
At its core, equipment leasing is based on the principle of separating equipment usage from ownership. The leasing company purchases the equipment and allows your business to use it in exchange for regular lease payments. This arrangement provides immediate access to equipment while spreading the cost over time, making expensive equipment more accessible to businesses of all sizes.
The lease agreement defines the terms of use, payment schedules, maintenance responsibilities, and end-of-lease options. This contractual relationship provides certainty and predictability for both parties while offering flexibility to adapt to changing business needs.
Equipment leasing provides significant economic advantages beyond simple payment deferral. By preserving working capital that would otherwise be tied up in equipment purchases, businesses can invest in growth opportunities, maintain cash reserves for emergencies, or fund other critical business operations.
Additionally, lease payments are typically 100% tax-deductible as operating expenses, potentially providing better tax treatment than depreciation schedules on purchased equipment. This tax advantage can result in significant savings over the lease term.
Annual U.S. equipment leasing volume
Of U.S. companies use leasing for equipment acquisition
Of all business equipment is acquired through leasing
Equipment leasing offers various structures designed to meet different business needs, financial objectives, and operational requirements. Understanding these different lease types allows businesses to choose the optimal structure for their specific situation and long-term goals.
This lease structure combines the cash flow benefits of leasing with guaranteed ownership at the end of the term. At lease conclusion, you purchase the equipment for just $1, making this option ideal for businesses that want to own the equipment but need to preserve working capital during the acquisition phase.
This structure balances lower monthly payments with a reasonable purchase option. At lease end, you can purchase the equipment for approximately 10% of its original cost, providing a middle ground between capital and operating leases.
A true operating lease where you return the equipment at lease end or purchase it for its then-current fair market value. This option typically offers the lowest monthly payments and maximum flexibility, making it ideal for equipment subject to rapid technological change.
The decision between leasing and buying equipment involves multiple factors beyond simple cost comparison. While purchase might seem less expensive on paper, leasing often provides superior overall value when considering cash flow, tax implications, technology obsolescence, maintenance costs, and opportunity costs of capital.
When you need to preserve working capital for growth opportunities, emergency reserves, or other business investments.
For equipment subject to rapid technological advancement where newer models provide significant operational advantages.
When 100% tax deductibility of lease payments provides better tax treatment than depreciation schedules.
When you want to preserve bank credit lines for other business needs or unexpected opportunities.
When you plan to use equipment for its entire useful life and it has low obsolescence risk.
When you have excess cash that isn't needed for other high-return opportunities or operational needs.
For equipment requiring significant customization or modification for your specific operations.
When equipment maintains strong resale value and you want to capture that equity.
A comprehensive lease vs. buy analysis should consider total cost of ownership, including purchase price, financing costs, maintenance, insurance, taxes, and opportunity costs. The analysis should also factor in:
Different industries have unique equipment needs, usage patterns, and financial considerations that influence optimal leasing strategies. Understanding these industry-specific factors helps in structuring leases that maximize benefits for each business type.
Technology equipment faces rapid obsolescence, making leasing particularly attractive. Companies can upgrade to latest systems without being stuck with outdated equipment.
Recommended: FMV leases for maximum flexibility
Medical equipment requires significant capital investment and regular technology updates. Leasing preserves cash for patient care while ensuring access to latest diagnostic equipment.
Recommended: Mix of lease types based on equipment lifespan
Manufacturing equipment often has long useful lives but requires significant capital investment. Leasing helps manage cash flow while maintaining productive capacity.
Recommended: $1 buyout for long-term production equipment
Discover why equipment leasing offers significant advantages over purchasing equipment outright.
Minimize initial capital investment and preserve your cash for other business needs
Keep your cash flow healthy for operations and growth opportunities
Stay current with the latest technology without worrying about obsolescence
Lease payments may be tax deductible as business expenses
Choose to purchase, return, or upgrade your equipment at lease end
Getting your equipment lease is simple with our streamlined process.
Complete your quick application with basic business and equipment information
Receive a fast approval decision, often within hours
Select the lease terms that work best for your business needs
Sign your agreement and start using your equipment immediately
Semi-trucks, trailers, delivery vehicles, and fleet equipment for transportation companies
Excavators, bulldozers, cranes, and construction machinery for contractors
Tractors, harvesters, irrigation systems, and farming equipment for agricultural businesses
MRI machines, dental equipment, surgical instruments, and medical devices
Commercial kitchens, POS systems, refrigeration, and hospitality equipment
Get answers to common questions about our equipment leasing programs.
