Take advantage of flexible loan terms spanning 36, 48, 60, or 72 months with predictable monthly payments. Enjoy the freedom to settle your loan ahead of schedule without incurring any penalties, while retaining complete ownership of your purchase. This structure provides clear budgeting, along with the added benefit of depreciation deductions that may enhance your overall financial strategy. Plus, you can easily customize repayment plans to fit your business needs. Our streamlined application process ensures a quick and hassle-free experience from start to finish.
EFA grants immediate ownership of your equipment while clearly outlining your financial responsibilities. You assume full accountability for the loan repayment and any associated obligations, including depreciation or potential equipment loss. This transparent arrangement empowers you to leverage depreciation benefits while maintaining straightforward financial oversight. With this flexible structure, you can bolster your bottom line through tax advantages and a stable, predictable payment schedule. Enjoy improved cash flow management to support growth. This ensures you acquire assets without slowing your operations.
Financial institutions generally provide two core leasing options, although the various terms and titles can make the process appear more complex than it truly is. According to FASB guidelines enforced by the IRS, each lease must be designated as one of two types for both tax and accounting purposes. This classification ensures straightforward compliance and uniform reporting, reducing potential confusion around how leases are recorded or taxed.
This lease structure offers the lessee the choice to acquire full ownership at the end of the term—typically 24 to 60 months—by paying an agreed amount (commonly 10% or 20% of the original cost). It’s often referred to as an Operating Lease, True Lease, TRAC Lease, or Fair Market Value (FMV) Lease. In this setup, the funder formally holds title and takes depreciation, while the lessee treats payments as rental expenses. Because the borrower is “operating,” not
“owning,” the IRS typically allows more substantial tax write-offs. When the lease concludes, you can pay the predetermined percentage to assume ownership or return the equipment and potentially upgrade to a newer model, enabling you to keep pace with technological advances without committing to long-term ownership from the outset.
In contrast, a lease with a residual payment involves committing to ownership from the start. Usually structured with a final “balloon” fee—set at $1 or 10% of the original cost—this type is often referred to as a Finance Lease, Dollar-Out Lease, 10%-Out Lease, Capital Lease, or Leaseto-Own. Here, the borrower technically holds ownership and claims depreciation, while the lender maintains a lien on the equipment. Instead of a conventional loan with an initial 10% down payment, that percentage shifts to the final payment. You typically pay only the first and last installments upfront. For tax and accounting purposes, this arrangement is treated like a loan or capital purchase, reflecting its status as a true finance or capital lease.
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Built on Experience, Driven by Results. At CLF, we bring deep industry know-how and a proven track record to every deal. Our team understands the nuances of equipment financing, crafting solutions that don’t just meet expectations—they exceed them.
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Empowering Your Future. Beyond financing, we’re in the business of building possibilities. Commercial Lease & Financing Corp equips you with the tools to grow, innovate, and thrive—because when you succeed, communities prosper, and opportunities multiply.
Ready to take your business to the next level? Contact Commercial Lease & Finance Corp today and explore the best financing options tailored to your needs. Whether you’re a startup looking for your first round of funding or an established business seeking to expand, we have the expertise and resources to help.
At Commercial Lease & Finance Corp, we empower your business growth with flexible, asset-based and smart financing solutions designed to address your unique business needs. From industrial equipment to commercial real estate, our swift approvals and nationwide support fuel your expansion and spark innovation.
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