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Equipment Lease Options

Flexible commercial equipment leasing designed to fit your financial strategy.

Explore options link scrolls to key features area of page

Equipment Lease Options

Flexible commercial equipment leasing designed to fit your financial strategy.

Explore options link scrolls to key features area of page

Maximize your potential with the right equipment leasing solution.

Every corporation has unique equipment demands. Our suite of leasing options provides the flexibility to access essential equipment while preserving capital for other opportunities.

Finance Lease

Build equity while spreading costs over time. You maintain ownership benefits, allowing depreciation and interest deductions that may optimize your tax strategy.footnote 1

Operating Lease

Enjoy lower monthly payments with our operating lease structure. We retain ownership tax benefits, allowing us to offer reduced rental costs while you focus on operations.

TRAC Lease

Designed for qualified commercial vehicles, TRAC (Terminal Rental Adjustment Clause) leases offer predictable payments with flexible end-of-term options. You may decide to purchase, return or continue leasing.

Municipal Lease

Tax-exempt lease purchase agreements for public entities, schools and government agencies. Access needed equipment immediately without slowing down for voter approval or bond issues.

Synthetic Lease

Combine ownership tax benefits with off-balance sheet treatment.footnote 1 Ideal for corporations looking for operational flexibility while optimizing financial reporting.

Frequently Asked Questions

Equipment leasing preserves working capital, provides immediate access to essential equipment and offers flexible end-of-term options. You can spread costs over time without large upfront investments, keeping valuable capital available for other strategic opportunities.
That depends on the lease structure. With finance leases, you’re treated as the owner for tax purposes even though it’s technically a lease, so you can claim depreciation and interest deductions. With operating leases, the lease payments themselves are typically fully deductible as business expenses — a different but equally valuable tax benefit.footnote 1
We purchase your chosen equipment, then you make lease payments for the agreed term. Depending on the lease type, you may have options to purchase, return or continue leasing at the end of the term.
There are many factors to consider: your cash flow, tax situation, and long-term equipment needs, to name a few.footnote 1 Our leasing specialists help you evaluate these key details plus depreciation schedules, maintenance requirements and capital allocation strategies.

Connect With Us

Our equipment leasing specialists work with corporations across all industries. Whether you’re ready for new manufacturing equipment or specialized technology, we’ll structure a leasing solution that supports your capital strategy.

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Disclosures:

  1. Commerce Bank does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.

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