What Equipment Can Be Financed or Leased?

Equipment financing and leasing aren’t limited to heavy machinery or commercial vehicles. In fact, nearly any tangible asset your business needs to operate—outside of real estate—can be financed or leased.

Whether you run a restaurant, a construction firm, a medical clinic, or a photography studio, chances are you can finance the equipment you rely on.

✅ Featured Snippet Answer:

What equipment can be financed or leased?
Common items include vehicles, construction machinery, medical devices, office tech, kitchen equipment, manufacturing tools, and more.

Most Common Types of Equipment That Can Be Financed or Leased

🏗️ Construction & Heavy Machinery

• Bulldozers

• Excavators

• Skid steers

• Cranes

• Forklifts

• Backhoes

Why lease it: These machines are expensive, depreciate over time, and often needed for specific projects.

🚚 Commercial Vehicles

• Delivery vans

• Box trucks

• Tow trucks

• Refrigerated trucks

• Flatbed trucks

Why lease it: Lowers upfront cost, allows fleet upgrades, and preserves cash flow.

🏥 Medical & Dental Equipment

• X-ray machines

• Ultrasound systems

• Surgical tables

• Patient monitors

• Dental chairs and drills

Why finance it: Enables private practices and clinics to access high-end tech without large capital outlays.

🔧 Manufacturing & Industrial Equipment

• CNC machines

• Lathes

• 3D printers

• Compressors

• Assembly line systems

Why lease it: Supports production scale-up without impacting liquidity.

🖥️ Technology & Office Equipment

• Laptops and desktops

• Servers and networking gear

• Printers and copiers

• Phone systems

• Point-of-sale (POS) terminals

Why lease it: Office tech becomes outdated fast—leasing allows for regular upgrades.

🍽️ Restaurant & Food Service Equipment

• Commercial ovens and stoves

• Refrigeration units

• Ice machines

• Food prep stations

• Dishwashers

Why finance it: Helps new or growing restaurants avoid high startup costs.

🎥 Creative & AV Equipment

• Professional cameras

• Lighting kits

• Audio recording gear

• Editing workstations

• Projectors

Why lease it: Supports photographers, filmmakers, and event companies with access to premium gear.

🚜 Agricultural Equipment

• Tractors

• Irrigation systems

• Seeders and sprayers

• Balers and harvesters

Why finance it: Allows farmers to invest in modern tools and improve efficiency.

Can Used Equipment Be Financed?

Yes—used equipment is often eligible for financing or leasing. This is especially common for:

• Vehicles

• Construction tools

• Restaurant appliances

• Office furniture

Just make sure the equipment is in good condition and purchased from a reputable vendor, as lenders typically have age or value restrictions.

Can You Lease Software or Intangibles?

Sometimes. While most leasing is for tangible, physical equipment, some leasing companies offer:

• Software financing (for enterprise tools)

• IT infrastructure as a service (bundled hardware + software solutions)

Ask your leasing provider if they offer customized packages.

What Usually Can’t Be Financed?

Generally, you can’t finance or lease:

• Real estate or land

• Personal-use items

• Highly perishable goods

• Equipment with no resale or residual value

Always confirm with your lender what qualifies.

Final Thoughts: If It Powers Your Business, It Can Probably Be Financed

From bulldozers to laptops, equipment financing and leasing offer a flexible way to acquire the tools your business needs—without draining cash reserves. If you’re unsure whether a specific item qualifies, consult with your leasing provider or lender directly.

Take Action: Finance the Equipment You Need Now

Start by listing the essential equipment your business depends on.
Then compare lease vs. loan options, review eligibility, and connect with providers who can help you get funded fast—without sacrificing cash flow.