Get the equipment you need to grow.

Stabilize your cash flow, take on more jobs, and increase profits, with equipment leasing from Crédito Real USA Business Capital.  

Save on rentals and pave a path to ownership.

What is equipment leasing?

Equipment leasing is the process in which a small business owner works with a lender to finance one or many pieces of new or used business equipment. 

Unlike a traditional bank loan or financing, leasing has flexible approvals, set monthly payments, and the option to own or return at the end of the lease term.  

Equipment financing and leasing are some of the most valuable tools small businesses can harness to improve cash flow, increase profit, and grow.

With all of the equipment financing options and equipment loan options on the market today, we will help you decide what is right for you and how to get started.  

Benefits of Equipment Leasing

Cheaper than Renting

Renting can be a great option if you need equipment for a short period of time or a specialty project.  But, if you find yourself renting the same equipment month after month, the costs can balloon and eat up working capital. 

Easier to Qualify

One of the biggest benefits of equipment leasing, is that the equipment in its self is an asset with value.  This allows much more flexible approvals than traditional financing which depends almost entirely on personal credit for approvals. 

Reliable monthly payments

Equipment leasing offers a path to ownership that is straight forward and reliable.  With fixed monthly payments, you can manage your cash flow and keep a better grasp on your business expenses.  


Thanks to Section 179, small businesses can deduct 100% of the cost of leasing and buying business equipment. You can consult with your tax advisor to see how to best maximize deduction.  

Credit Score booster

Making monthly payments for 24-48 months can help small business owners increase their business credit. 

What you need to apply for equipment leasing

Complete a Credit Application

Good credit can be hard to come by, but if your business has jobs to finish, we can provide funding to help you grow.

Proof of Identification

Good credit can be hard to come by, but if your business has jobs to finish, we can provide funding to help you grow.

6 months of Bank Statements

Choose the right option for your business with no upfront costs and fast credit decisions.

Types of equipment we fund

Credíto Real USA Business Capital provides leases for a variety of industries including: 

  • Industrial equipment financing
  • Construction equipment leasing
  • Utility equipment leasing
  • Oil and Gas equipment leasing

Equipment we do not fund

  • Equipment under $20,000.00
  • 18 Wheelers
  • Personal Vehicles


This estimate is based on a 36 month lease and is not a guarantee of any rate or payment. This represents only a rough estimate for use in comparison between renting and owning. All lease factor rate payments are determined after full applications are submitted and payments vary based on credit history and business strength.

How we calculate your monthly payment

Equipment leases do not operate like other tradition loans based on interest rates.  The lease rate factor, which is based on your combination of credit history, business credit, business strength, and cash flow, determines a fixed monthly payment for the entirety of the lease that must be paid in full.  You can not pay down principal, but do have the option to own the equipment or return it at the end of the lease. 

How much cash do I need to start a lease?

Leases often have no down payment, but a security deposits is taken at the beginning of the lease for roughly 10% of the value which is applied to the end of the lease, resulting in the lessee owning the equipment. 

How long do leases last?

Equipment leases typically range from 2-5 years and most leases operate for 36 months. 

Here's what some of our customers are saying.

Crédito Real provided me the cash flow and helped with payroll to grow my business. Now, big businesses are more willing to work with me because I have the capital and workforce to keep meeting their needs and projects.
Jose Chairez
Kerch Services
I would recommend Crédito Real to other companies because it will give you the possibility to expand your business and run it in the proper way. They are very easy to work with because they understand the business.
Billy Ward
Comal Creek Construction

Visit Us in San Antonio, Texas


Credito Real USA – Business Capital
103 Biltmore Street, Suite 210
San Antonio, TX 78213, United States

Working Hours

Sun:   Closed
Mon:  9:00 AM – 5:00 PM
Tue:   9:00 AM – 5:00 PM
Wed:  9:00 AM – 5:00 PM
Thu:   9:00 AM – 5:00 PM
Fri:     9:00 AM – 5:00 PM
Sat:    Closed

Phone Number

Driving Directions

Crédito Real USA Business Capital’s San Antonio location can be found on the north west corner of the intersection between Loop 410 and Blanco Road.  To access our location you need to be heading west on the access road of 410, past Blanco and will turn on Biltmore Road.  You will see our building on the left and once you arrive, head inside and immediately upstairs to find our office. You will know if you are in the right area if you see Guajillo’s The Shortcut to Mexico and Kobe Steakhouse.

Building Exterior


Equipment leasing from Credíto Real USA Business Capital can be used for both new or used equipment.  

Equipment leasing programs typically come with two options: 

The first one is doing a "lease to own" agreement. The equipment will be purchased by the financial institution, and then the lessee will pay every month for an established amount of time until the lease agreement comes to an end. Leases often have no down payment, but a security deposits is taken at the beginning of the lease for roughly 10% of the value which is applied to the end of the lease, resulting in the lessee owning the equipment.  

The second type of leasing can be compared to renting an apartment. You pay to use it every month for the term of the lease agreement, and at the end of it you can be reimbursed for the amount you paid. 

Equipment leases typically range from 2-5 years and at the end of the lease, you are given the option to purchase the item for a per-determined fair market value (normally 10%) or you can return it. 

Equipment leasing differs from traditional loans because they are not based on a interest rate, where customers can pay off the principal separately from interst.  With a lease, payments are standard throughout and include a lease rate factor which must be paid in full until the end of the term.  

One benefit of getting approved for leasing and financing prior to visiting a dealership, is that you know what you are pre-approved to purchase. At Crédito Real USA Business Capital, pre-approved customers enjoy the benefits of shopping for the best deals knowing they have the cash in hand to buy when the best opportunity arises.  

No.  Lease payments are only payable from a bank account.

Here are some typical lease terms you might find in a leasing agreement.  Most leases require a 10% security deposit depending on credit score.  Most leases are drafted for 36 months and at the end of the lease, they can convert the deposit into the final payment to own the equipment.  This is called a fair market value lease and the benefit is that at the end of the lease, no additional payment is required to own the equipment.  Most leases do require a personal guarantee.  

Small business and equipment loans, like those from from a traditional lender or the SBA, lean heavily on person and business credit for approval. Conversely, equipment leasing uses the equipment itself as collateral, allowing for much higher approval ratings for those with challenged credits and limited access to bank financing. 

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