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Equipment is where small businesses bleed money twice — once buying it and once when it's obsolete. Financing options range from equipment loans (you own it, it depreciates on your books) to leases (lower payments, tax-deductible, always current) and the right answer tracks how fast the gear becomes outdated. This guide compares the structures with the tax angles included, because the cheapest payment is not the cheapest path once depreciation and deductions are counted.
lease vs buy report
Lease if the equipment becomes obsolete fast or you want lower payments and tax deductions; buy if it lasts a decade and you want an asset on the books.
Loan principal isn't deductible but depreciation and interest are; lease payments are typically fully deductible as an operating expense.
Equipment itself is the collateral, so approval is often easier than unsecured lending — but rates still track your business and personal credit.
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