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Heavy equipment

Thinking of leasing? Let’s talk!

If you are considering an equipment lease, either now or in the future, contact us. As your local bank, we can show you how to best structure a lease to fit your needs and meet your goals.

Equipment leasing today

 80% of all businesses today use equipment leasing to acquire equipment, and almost any type of equipment qualifies for a lease. Today your business can get all your equipment leasing needs met locally at Two Rivers Bank & Trust.

At the forefront of providing businesses with capital to grow and expand, our leases are relationship-based, not transaction-based. No large fees and penalties at every turn. As your local bank, leasing builds on our commitment to provide you with the financial tools you need to succeed!

Tax lease vs. capital lease

A tax lease is structured to provide the leasing company with equipment ownership, and along with it all depreciation benefits. In return, your lease payments are fully deductible. The documentation for a tax lease is designed to conform to all related guidelines.

A capital lease, also known as a finance lease, is structured to pass all ownership benefits to you, including depreciation. Only the interest portion of your lease payment is deductible, along with your depreciation expense. Such leases commonly have a $1.00 purchase option at expiration.

Leasing options

 With the wide variety of available lease options**, the popularity of leasing is growing!

  • 100% financing – no down payment required
  • Variable payment terms for seasonal customers
  • Most leases can be structured to meet tax objectives
  • Fixed rate for the lease term

Real advantage – leasing through Two Rivers Bank & Trust*

We know you, and we know your business. We already have an established, trusted business relationship, and we understand your objectives when you lease. Unlike other traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease. In addition, coordinating all your banking and equipment financing activity with one bank is convenient and saves you valuable time.

*Leasing servicing is provided through our partnership with BB Community Leasing Services, Inc. – Madison, WI
**Consult your tax advisor to assess which lease best fits your needs.