Equipment Financing Resource Center

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Find answers to frequently asked questions, downloadable lease documents, and more.


Equipment Lease Types

Wondering what type of equipment lease options are available to you or your customers? Whether you are a looking for equipment financing for yourself or for your customer – we have the lease solution that will fit. Learn more about the various equipment lease types we offer below.

Commercial Lease (Business Equipment Lease)

Use TimePayment for your next business equipment lease! Our options are an affordable way to finance your business equipment. Whether you are looking for a lease for yourself or for your customer we can provide the monthly payment that will fit into your budget.

We specialize in providing equipment leasing for products with a selling price starting as low as $500 up to $100k.

Small business equipment leasing, is it right for you?

✓ 80% of all U.S. companies use equipment leasing

✓ 7 of 10 small business owners start with less than $20,000 in working capital


Lease-to-Own is a financial services solution that provides for ownership of the equipment following the receipt of all scheduled payments. Technically, the lease payment for a Lease-to-Own contract is calculated over a period of time that is three months less than the typical lease term, (33 months vs. 36 months) and the last three payments that are made encompass the purchase of the equipment. Payments are more expensive than a FMV transaction, however, the Lessee owns the equipment outright once all contracted payments have been made.

Fair Market Value Equipment Lease (FMV)

TimePayments’ Fair Market Value (FMV) equipment lease solution provides for the lowest payments possible, while delivering access to critical equipment for a defined period of time. At the end of that period of time, and after all scheduled payments have been made, the Lessee (user of the equipment) can take advantage of one of three options: return the equipment, purchase the equipment for a specific amount (typically 10% of the total receivable) or continue to rent the equipment on a monthly basis.

$1 Buyout Equipment Lease

Our $1 Buyout Equipment Lease is similar to Lease-to-Own in that ownership is passed after the last payment has been made. However, the full term of the contract is utilized to calculate payments, and there is only a single dollar payment requirement to be made at the end of the contracted lease period. $1 Buyouts are only available in certain states and industries. Contact us for details.

Split Funding Lease Option

We understand how tight cash flow can be and that there are times where there may be a separate supplier, distributor, or manufacturer that needs to be paid. Our Split Funding Product is the cash flow solution for you. With our Split Funding offering we pay the two parties involved in the lease separately so you have one less thing to worry about.

Our Split Funding Product allows you to:

✓ Obtain more buying power with your supplier

✓ Satisfy supplier method of payment requirements

✓ Simplify your cash flow management

To find out more please contact us at 1-877-938-5231.

Industry-Specific Special Programs & Promotions

TimePayment also offers special promotions and programs for the various industries and verticals we serve.

To learn more about our current offers, browse our industry pages.

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