A Finance Lease gives your business full access to the equipment it needs - without the upfront capital outlay of a purchase. This structure is ideal for businesses that want long-term use of an asset with the option to acquire it at the end of the lease, all while keeping cash flow steady and tax benefits intact.

Whether you’re upgrading plant, expanding your fleet, or sourcing machinery for a long-term project, a Finance Lease provides a simple, cost-effective path to equipment acquisition.

What is a Finance Lease?

A Finance Lease is a commercial leasing arrangement where the lender (lessor) purchases the asset and leases it to your business for a fixed term. You make regular rental payments over the lease term, and at the end, you can acquire the asset for a predetermined residual value.

Unlike an Operating Lease, a Finance Lease is recorded on your balance sheet, as both an asset and a liability. It’s a good option for businesses planning to own the equipment but wanting to preserve upfront capital.

Why Choose a Finance Lease?

• Full access to the equipment without paying upfront
  
• Fixed payments over the lease term
  
• Preserves working capital for other business needs
  
• Tax-deductible lease payments (check with your accountant)
  
• Residual (balloon) amount reduces monthly outgoings
  
• Equipment ownership option at lease end
  

Finance Leases are commonly used for high-value trucks, trailers, excavators, cranes, access gear, and other machinery where long-term use and eventual ownership make sense.