Flexible and easy financing for the equipment and technology that keeps your business running.
These simple rules are at the heart of why equipment financing makes sense.
Your business earns revenue monthly — so your expenses should follow the same rhythm. Financing aligns the cost of equipment with the income it generates.
Assets that depreciate the moment you use them are better leased than owned — it preserves your balance sheet and your cash.
"If it appreciates, buy it. If it depreciates, lease it." — A Smart Business Owner
Leasing isn't just "financing in disguise." It's a different set of trade-offs — ones that favor businesses that want to stay nimble.
Acquire the equipment you need without depleting the cash you could be putting toward growth, payroll or inventory.
A lease is a separate source of credit — it doesn't draw down the bank line you're saving for expansion, real estate or emergencies.
Payments are locked in at signing for the full term. Market rates move; your budget doesn't have to.
Electronic payment equipment can be outdated within a year or two. Leasing lets you refresh when the technology moves, not when a balance sheet lets you.
Spreading cost over the useful life of the equipment increases your buying power — often for less monthly outlay than the revenue the equipment produces.
Unlike a loan principal, a lease payment may be fully deductible as an operating expense. Consult your tax advisor — and keep more of what you earn.
The benefit of the device itself is obvious. The costs that come with owning it — less so. Ownership can expose a business to three separate problems most buyers don't price in.
Ownership can trap a business in outdated technology well past its useful life — or force a sale on the secondary market at a loss.
Equipment is tangible personal property. Owners file annual returns in every county where a device sits — a headache that grows with your footprint.
Equipment deployed in another state can create legal presence — obligating the owner to register as a foreign corporation and comply with that state's tax code.
Consider a bank with 100 check scanners deployed across Virginia. Because ownership makes the bank a remarketer, it owes sales tax on every rental invoice, personal property tax to every county where equipment sits, and — if any units cross state lines — exposure to foreign-corporation registration in each new jurisdiction.
Leasing through CDFS shifts those obligations to us. We handle sales, use and personal property taxes; you get one predictable monthly payment.
Minimal paperwork and clear terms — no surprises.
Predictable monthly payments that protect working capital.
Hardware, software, service, training and support — all in one.
Continue, return, or purchase. No automatic fixed-term renewals.
Leasing eliminates the upfront capital cost that often blocks a sale, and it bundles recurring costs — hardware, software, service, shipping, support — into one monthly payment. For depreciating equipment, the monthly outlay is frequently less than the cash benefit the equipment itself produces.
In many cases CDFS can help with the sale, trade-in or disposal of existing equipment as part of structuring a new lease. Talk to us — we can usually work it into the deal.
For transactions under $25,000, we typically turn quotes around in 24–48 hours. Documentation is intentionally minimal and the process is designed to keep deals moving rather than gum them up.
CDFS sends an end-of-contract letter well before the term closes, outlining your options: continue month-to-month, return the equipment, or purchase it (for Operating/FMV leases, at fair market value; for Capital leases, you already own it). We don't do automatic fixed-term renewals.
CDFS does. The U.S. has more than 8,000 tax jurisdictions and rates change monthly — we've built the systems to track, collect and remit on every contract so you don't have to.
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