Equipment Leasing

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Equipment leasing allows your business to use the equipment you need today without the long-term commitment of ownership. Instead of paying the full cost upfront, you make predictable monthly payments while preserving cash for operations, payroll, or growth. Leasing is ideal for businesses that want flexibility, lower upfront costs, or the ability to upgrade equipment more frequently. At First Financial, we tailor lease options to fit your goals, budget, and timeline.

Benefits of Equipment Leasing

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Lower Upfront Costs

Leasing typically requires less money upfront compared to purchasing equipment outright. This helps businesses conserve working capital and manage cash flow more effectively.

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Predictable Monthly Payments

Fixed lease payments make budgeting easier and reduce financial surprises. This consistency supports better long-term planning.

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Upgrade Flexibility

Leasing is ideal for equipment that becomes outdated or depreciates quickly. At the end of the lease, you may have options to upgrade, renew, or purchase.

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Credit-Friendly Options

We offer leasing programs for a wide range of credit profiles. Even if your credit isn’t perfect, our team can help identify realistic options and provide guidance.

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Industry-Wide Coverage

From technology and medical equipment to construction and transportation assets, we support leasing needs across many industries nationwide.

How Our Leasing Process Works

Our leasing process is simple, transparent, and designed to move quickly. We focus on minimizing paperwork while keeping you informed at every step. Our team remains available to answer questions and provide support.

  1. Apply Online: Complete a short application with basic business and equipment details.
  2. Review Options: We evaluate your profile and present lease structures that fit your needs.
  3. Approval & Documents: Receive approval and review clear, straightforward lease terms.
  4. Get Equipment: Take delivery and put your equipment to work while making manageable payments.
  • Is equipment leasing better than buying?

    Leasing can be better if you want lower monthly payments, flexibility, or the ability to upgrade equipment. Buying may be better for long-term ownership. We help you evaluate both options based on your goals.

  • How does an equipment lease work for a business?

    You use the equipment while making monthly lease payments over a set term. At the end of the lease, you may have options to return, renew, or purchase the equipment.

  • Can I lease equipment with bad credit?

    Yes. We work with many credit profiles and offer programs designed for businesses rebuilding credit. Approval depends on the full application, not just credit score.

  • What types of equipment can be leased?

    Technology, medical devices, construction equipment, vehicles, and many other business assets can be leased. If the equipment helps your business operate, leasing may be an option.