Approvals in hours, not weeks. $1k to $2M.

HEAVY METTLE Machinery · Finance

Finance

Lease-to-Own Equipment Loan Rent-to-Own Payment Calculator Section 179 Calculator
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Lease-to-Own

Lowest payment now.
The keys for keeps later.

Spread the cost over a term that matches the work, keep your cash in the business, and own the machine outright at the end for a buck or 10%. It’s the favorite for a reason.

  • The lowest monthly of any option
  • $1 or 10% buyout, you own it
  • Often 100% tax-deductible (Section 179)
  • Terms from 24 to 72 months
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9.9% sample APR
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Payment frequency

Estimated payment

$

Financed: $

Total of payments: $

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Why operators pick it

Built for how the work actually pays.

Light on cash flow

Smaller payments keep working capital free for fuel, crew, and the next bid.

Own it at the end

A nominal $1 or 10% buyout transfers the title to you. No surprise balloon.

Tax-smart

Lease payments may be fully deductible. Talk to your accountant; Section 179 is your friend.

Fast approvals

Most decisions land same day. The iron earns sooner, the bank waits never.

Fixed payments

Lock your rate up front. No resets, no rate-hike heartburn mid-term.

Startups welcome

Newer business? We still finance. Time-in-business thresholds are low and human.

How it works

Simple from start to keys.

01

Pick your machine

From our yard or your dealer, any heavy equipment qualifies.

02

Choose your term

Match the payment to the job. We’ll quote $1 vs 10% buyout so you decide.

03

Run it & own it

Sign digitally, start work, and the title’s yours at lease-end.

Good questions

The fine print, in plain English.

A $1 buyout means you own the machine for a single dollar at the end. Payments are a bit higher but it’s effectively a purchase. A 10% buyout lowers your monthly and you pay 10% of the price at the end to take title.

Yes. We’ll quote a payoff any time. No games. Pay it down when a job comes in flush.

Often, yes. Many equipment leases qualify under Section 179 or as a deductible operating expense. We’re not your accountant, but most operators write a lot of it off. Confirm with yours.

We look at the whole picture, not just a score. Strong credit gets the best rates; fair credit and newer businesses still get approved regularly.

Excavators, dozers, loaders, lifts, cranes, generators, attachments. If it’s heavy equipment that earns, we can structure it.

Another way in

Not quite the right fit?

Equipment Loan Want the title on day one? Own it from the jump and build equity. Rent-to-Own Not ready to commit? Rent it, and rebate the payments toward owning.

Ready to put it to work?

Get a real decision today and keep the project moving.

Apply now