Step to Flex

Step in low. Flex at the finish.

A low-cost entry, a predictable middle stretch, and a real choice at the end — own it, or return it and upgrade. Pick a term and enter an amount to see the payments.

Start your application Application-only up to $500,000 · credit decisions in about two business hours

Build a Quote

Amount financed (equipment price)

Term & residual

Mo 1–12 · Step inMo 13–60 · Hold steadyEnd · Flex

1 Step In

Months 1–12

$2,500/mo

1% of price per month — get the machine earning before the real payment starts.

2 Hold Steady

Months 13–60 · 48 payments

$5,373/mo

One fixed, predictable payment — kept low by carrying a residual.

3 Flex

End of term

$37,500

~15% residual. Buy it at this set price, or return it with no further obligation.

Section 179 Tax Savings

$52,500

Estimated first-year savings on a $250,000 deduction. Section 179 + bonus depreciation can write off the equipment cost the year it's placed in service.

Estimate only. Section 179 is capped at business taxable income; excess bonus depreciation may create an NOL. Confirm with your tax advisor.

Why lead with it

A 1% entry payment is an easy "yes" next to a six- or seven-figure machine.
Predictable, fixed budgeting through the term — simple to plan around.
Optionality, not obligation — a known buyout set years in advance.
Built-in upgrade path keeps the next equipment sale in your hands.

Ready to step in?

One short application gets it started — application-only up to $500,000, with credit decisions in about two business hours. Lock in a low first year now, and decide at the finish whether to own it or return and upgrade.

Apply now

How the numbers work: Months 1–12 are set at 1% of the equipment price per month. The remaining monthly payment is sized so the deal amortizes to the end-of-term residual — 25% at 36 months, 20% at 48 months, 15% at 60 months. Figures are estimates for planning and are not a quote or commitment to lend. Program guideline: hard equipment cost should be at least 80% of the amount financed (soft costs capped at 20%). Subject to credit approval; final term and residual may vary by equipment type, transaction size, and applicant. Final buyout amount is stated in the lease documentation at signing.