Pricing and Comparison
How Much Does Commercial Equipment Leasing Cost? 2026 Price Guide
Learn how commercial equipment lease payments are built, what total cost includes, and how to estimate your own monthly payment with worked examples.
Pricing and Comparison
How equipment lease payments are built, what moves them, and how the main structures compare.
Equipment lease pricing is less transparent than a sticker price. Lessors quote a monthly payment, a money factor or an implied rate, and the real cost depends on the structure you choose, the residual value they assume, your credit and the equipment itself.
The guides in this section walk through what a lease actually costs, which factors raise or lower the payment, how fair market value leases differ from $1 buyout leases and loans, how to negotiate, and how tax rules such as Section 179 change the after-tax picture.
A good way to use this section is to start with the cost guide, then run the numbers in the lease payment calculator. After that, read the structure comparison and the negotiation guide before you request quotes. All figures in examples are illustrative; always rely on written quotes and your own accountant for decisions.
Guides in this topic
Pricing and Comparison
FMV Lease vs $1 Buyout Lease: Which Equipment Lease Fits Your Business?
Compare fair market value leases, $1 buyout leases and 10 percent purchase options on payments, ownership, taxes and end-of-term risk, with a worked example.
Pricing and Comparison
How to Get the Best Deal on an Equipment Lease: Negotiation Guide
Practical tactics for lowering equipment lease cost, from comparing apples-to-apples quotes to negotiating fees, residuals, end-of-term terms and vendor pricing.
Pricing and Comparison
Lease vs Loan vs Buying Equipment With Cash: How to Decide
A practical framework for comparing equipment leases, equipment loans and cash purchases, with a worked three-way cost comparison and decision criteria.
Pricing and Comparison
Section 179 and Bonus Depreciation for Leased Equipment: What to Know
How Section 179 expensing and bonus depreciation can apply to financed and leased business equipment, which leases qualify, and what to confirm with your CPA.
Pricing and Comparison
What Affects Equipment Lease Rates and Monthly Payments
Credit, time in business, equipment type, term, down payment and residual value all move your lease rate. See how each factor works and what you can control.