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Equipment Leasing

Equipment Leasing Options

Choose the lease structure that best fits your business needs. Whether you want to own, upgrade regularly, or maintain maximum flexibility, we have the right leasing solution for you.

Apply for Equipment Lease

Types of Equipment Leases

Understanding your lease options helps you choose the best financing structure for your business goals.

Capital Lease

Capital Lease

Own at the End

A capital lease functions like a loan, allowing you to own the equipment at the end of the lease term. This option provides ownership benefits while preserving capital during the lease period.

Key Benefits

  • Ownership at lease end for nominal fee ($1 buyout)
  • Build equity in the equipment
  • Claim depreciation for tax purposes
  • Fixed payments throughout the term

Best For

Businesses wanting to own equipment long-term while spreading costs

TRAC Lease

TRAC Lease

Terminal Rental Adjustment Clause

TRAC leases are specifically designed for vehicles used in business operations. You can purchase the vehicle at lease end for a predetermined price, with potential adjustments based on mileage and condition.

Key Benefits

  • Designed for over-the-road vehicles
  • Predetermined purchase option at lease end
  • Lower monthly payments than traditional loans
  • Flexible end-of-lease options

Best For

Trucking companies and businesses with commercial vehicle fleets

FMV Lease

FMV Lease

Fair Market Value

FMV leases allow you to use equipment for a set period with the flexibility to return it, purchase it at fair market value, or upgrade to newer equipment at lease end. Lower monthly payments compared to capital leases.

Key Benefits

  • Lowest monthly payments
  • Return, purchase, or upgrade at lease end
  • No equipment disposal concerns
  • Easy upgrades to latest technology

Best For

Businesses wanting flexibility and the latest equipment technology

Why Choose Leasing?

Lower Payments

Leases typically offer lower monthly payments compared to equipment loans

Tax Benefits

Lease payments may be fully deductible as a business expense

Easy Upgrades

Upgrade to newer equipment at lease end without hassle

Equipment Leasing FAQs

Common questions about equipment leases.

Capital leases are ideal if you want to own equipment long-term. FMV leases offer lower payments and flexibility if you upgrade frequently. TRAC leases are specifically designed for commercial vehicles and trucking operations. Our team helps you choose based on your goals and cash flow needs.
Yes. For operating leases such as FMV and TRAC, payments are typically 100% tax deductible as a business expense. Capital leases allow you to claim depreciation and interest deductions. Consult your tax advisor for specific guidance.
Capital Lease: You own the equipment for a nominal fee ($1 buyout). FMV Lease: You can return it, purchase at fair market value, or upgrade. TRAC Lease: You can purchase at the predetermined price, return it, or extend the lease.
With FMV leases, upgrading is straightforward at lease end. For capital and TRAC leases, you can refinance or trade in the equipment. We help structure deals that make sense for your business cycle.
Lease terms typically range from 24 to 84 months depending on equipment type and useful life. We customize terms to match your budget and business needs.
Most leases have early termination fees to cover the lessor's costs. However, we can structure flexible terms and discuss options if your business needs change. Contact us to review specific lease agreements.

Find the Right Lease for Your Business

Our team will help you choose the best leasing option for your needs.

✓ Lower monthly payments    ✓ Tax advantages    ✓ Flexible end-of-lease options
Start Your Lease Application Call (361) 208-2501

Let's Start Your
Financing Journey

Have questions? Need a custom quote? Our team is ready to help you find the perfect financing solution for your business.

Phone (361) 208-2501
Email finance@vitalitylend.com
Office 104 Kelly Drive, STE A
Victoria, TX 77904
Hours Monday - Friday: 8:00 AM - 6:00 PM CST
Saturday - Sunday: Closed

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    104 Kelly Drive, STE A  Victoria, TX 77904
    (361) 208-2501 finance@vitalitylend.com
    Marshall Capital Group, LLC dba Vitality Finance

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