Financing For Florida Businesses

Florida is growing in businesses and a great Florida business market. As you know a small business to create a presence among your target audience, you might need to add new equipment and technology to stay competitive. Black Creek Leasing can assist you get the new equipment and technology your business needs with an affordable Florida equipment leasing program. Black Creek Leasing has many options for small business financing in Florida.

Small Business Loans for Florida Companies

We take pride in offering our clients great customer service and understand the needs of purchasing equipment and having working capital is important for success. We tailor every equipment leasing and business financing solution specifically for each individual customer. Whether you are a lessee looking for the best way to fund your equipment leasing in Florida, a vendor looking to add value to your equipment sales, lease broker or lessor looking to solve a seemingly impossible problem, we want to help by putting our vast experience in the Florida equipment financing to work for you. We’ve helped many small businesses in and around Florida acquire new equipment and technology. If your business needs equipment leasing, call Black Creek Leasing. Apply online here with our lease application form to get started.


Available Leasing Programs

EXPRESS LEASE Application-only program up to $150,000

  • No Financial Disclosure

  • 24 hr Credit Approval

  • Application-only $250,000 for heavy collateral (Comparable Credit Req.)


FLEXIBLE LEASE financing on new or used equipment.
This covers soft costs such as installation, freight, and taxes. Also includes specially structured lease plans to accommodate our customers cash flow needs.

  • Lease plans for Start-Up companies

  • FMV, 10% Purchase Option, $1 B/Out Option


COMMERCIAL LEASE (Full financial disclosure)

  • Fixed rates at low competitive interest rate

  • Lines of credit available up to $5,000,000.

  • 3-4 Day Credit approval with complete financial package




The most classic Equipment Financing Florida and leasing option available, an operating lease (or true lease) structures the lease agreement to provide 100% tax deductibility on lease payments as a capital expense. The leased equipment is classified as a rental, allowing the lessee to transfer obligation of the equipment to the lessor at the end of the term.

The optimal choice for long-term equipment plans and intended eventual ownership; a capital lease (similar to a finance lease) classifies equipment as being owned by the lessee, allowing the lessee to claim tax deductions on the equipment depreciation. A capital lease usually provides a more attractive purchase incentive at the end of the lease term.

Most Common “End of Lease” Options

$1.00 BUY OUT
Also known as a capital lease and finance lease. $1.00 buy out is the closest option to straight bank financing. The lessee fulfills payment requirements for the duration of the lease, and once final payment is made along with $1.00, he/she becomes owner of the equipment. Additionally, equipment must be shown as an asset and depreciated. It is not recommended that the equipment be written off as a rental expense. This simple option requires no further obligation, but one might keep in mind the monthly payments are slightly higher than an operating lease.

Also, known as an operating lease, this option may be tax deductible under IRS guidelines and payments can be written off. The equipment can be purchased at the end of the lease for its current fair market value (an estimated 10%) or the lessee can return the equipment with no further obligations.

Also, considered a combination of the capital and operating leases, this option can be 10%, 15%, or 20%. The lessee has the option to pay a predetermined percent of the original equipment cost at the end of the lease, or walk away. By leaving a residual at the end of the lease, the monthly payments are lowered. Tax benefits can also be taken advantage of.

Black Creek Leasing can help create a lease program that works for your business!

Please contact us at 1-844-438-2522. Or send us a message