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Equipment Leases

Apply for Equipment Leases

Apply now and get your equipment fast. 

Equipment Lease 


Equipment Lease Financing may be the best way to grow your business.  Not only does it provide many tax advantages, but for companies that use equipment that becomes outdated quickly, it allows you to only pay for what you use. And can be a much more cost-effective way to obtain the equipment necessary to increase your revenues.  For example, IT equipment lease financing offers you the opportunity to purchase the equipment at the end of the lease at fair market value, or turn it in and replace it with the newest hardware and software available, with no further obligation.

Types of Leases We Offer

  1. Application only $15,000 to $250,000

  2. Middle market financing up to $500,000

  3. Large ticket over $500,000

Fast Approvals, Excellent Terms and depending on the transaction as long as 84 months to repay.

Sale & Lease Back
A Sale Lease Back is like refinancing your equipment to take money out to use for any type of financial need you may have.  You can use it as working capital, for expansion needs, to purchase inventory, almost anything you need to improve your business’s financial health.  How does it work? We purchase your equipment and you lease it from us until all the payments are made. At that point, ownership is transferred back to you.

For Start-Ups
If you have just started your business, conserve your precious capital by acquiring any necessary equipment through Business Equipment Leasing, and pay as you go.

Challenged Credits
B, C or D Credit.  We get it. When times are tough a business owner’s credit can suffer.  That’s why we developed a “second chance” program. If you have equity in your equipment, we can use that equity to help you rebuild your company.

Medical Equipment Leases
We offer very competitive equipment financing to medical providers of all types.  Physicians, Dentists, Veterinarians as well as other disciplines.  We have several programs customized for the medical community and cater to the needs of medical professionals of all specialties.

Government and Municipal Leasing
Our municipal leasing program is designed to meet the needs of all sizes and types of public works.  For Governments and Municipalities leasing offers several advantages not available with ownership.

  1. Leasing encourages a more orderly planned equipment replacement cycle before maintenance costs become excessive.

  2. Leasing also eliminates used equipment disposal problems for the user.

  3. Leasing provides a method of obtaining efficient cost-saving equipment which cannot be purchased with fixed operating budgets.

  4. As a rule, it is usually easier to gain approval for equipment under a lease program than as a capital expenditure

  5. Some of the biggest advantages of leasing (particularly for the fleet user) are the opportunity to reduce operating expenses by replacing over-aged equipment without a large capital outlay, the establishment of realistic replacement schedules, and standardization.

A partial list of whom we finance are listed below:

  • Federal Government Agencies

  • Armed Services

  • State Agencies

  • Public Schools

  • Police Department

  • Fire Houses

  • Libraries

The above list is only an example of what we can finance. We can finance any state or federally controlled entity.

Please contact us so one of our finance specialists can discuss your specific needs.

Why Lease?

  • Leasing is the right choice!
    Leasing is one of the fastest-growing ways for businesses to acquire the equipment they need. From Fortune 500 to the local family business, a recent survey found that 80% of U.S. businesses lease some portion of their equipment. Leasing can solve the dilemma of limited cash flow when they need to add equipment. Leasing can put the equipment to work for you while improving cash flow and with the advantage of no major capital investment. You can lease virtually any type of equipment, including software and installation.

  • Low monthly payments
    The monthly lease payment will usually be lower than an equipment finance agreement, with less down payment required.

  • No need to tie up capital
    Keep your cash on hand for future needs, for working capital and unexpected expenses, especially when revenues are low.

  • You can always lease equipment – you can’t lease cash!
    Most types of financing require down payments of up to 25%, whereas leasing covers 100% of the cost of the equipment. Most leases require only one or two payments in advance. Start using your equipment immediately with minimal up-front costs.

  • Keep existing lines of credit open
    Leasing has no impact on your bank credit lines. Protect your borrowing power for other business needs or opportunities.

  • Eliminate obsolescence
    Technology is changing every day. Equipment needed today may be obsolete three years from now. Leasing allows you the flexibility to maintain a competitive edge by giving you today’s best technology then allowing you to upgrade when the equipment has outlived its advantage.

  • Fixed payments through the term of the lease
    Bank lines of credit usually have variable rates and may be callable at any time by the bank, lease payments are fixed no matter what happens in the market. By choosing to lease you won’t won’t have to worry about fluctuations in interest rates. In the ’80s rates rose from 9% to over 20% in one year!  That can’t happen with leasing.

  • Significant tax and accounting advantages
    lease payments are generally lined item expenses on your P&L statement. Leasing eliminates the need for complicated depreciation schedules since lease payments can usually be treated as a pre-tax business expense and may even reduce your taxes. Remember, paying cash for equipment automatically adds 30-40% to the cost when you take into account that cash = profits and taxes are paid on profits.  The benefits of leasing equipment are many.  Leasing minimizes demands on cash flow, eliminates obsolescence, keeps your bank lines open, saves on taxes and shelters you from the market.

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Application Process

For most applications, the approval process is based on a simple, one-page application. Simply download and complete the application and either sign, scan and email it back to us, or fax it back to us at fax number. 1-321-233-9936, including information on the business entity, the equipment being purchased, the cost, and information for the vendor.

Get the Equipment Lease You Need

You need new equipment, we can help. Don't wait. Apply now.

What industries does R&R Commercial Lending, Inc. serve with custom fall protection services?

R&R Commercial Lending has nearly decades of experience serving Winterpark, FL and its surrounding areas with financial loan services. We offer Accounts Receivable Financing, Contract Finance Loan, Equipment Leases, Medical Provider Loans, Solar Project Financing, Hard Money Loans, and more!  

How Long Does it Take to Get Approved? 

We are the fastest in town! We do not take a long time to get you approved for a business loan. As long as we have all of the necessary information to determine your eligibility for acquiring a business loan, we then start processing as soon as possible!

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