WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Equipment product · Nationwide

Fair Market Value (FMV) Lease

Lower monthly payments, with the choice to return, renew or buy the equipment at fair market value when the term ends.

Apply nowAll equipment programs(210) 702-8811
$15K – $10MM+Amounts
Up to $1MMApplication only
12 – 84 mo.Terms
All 50States
Product

How fair market value (fmv) lease works

A fair market value lease is a true operating lease. The lessor keeps the residual value, so your payment covers only the portion of the equipment you use up during the term. That usually means the lowest monthly payment of any structure.

At the end you choose: return the equipment, renew the lease, upgrade to new equipment or buy it at fair market value. FMV leases fit technology, medical imaging and any equipment that loses value quickly or gets replaced every few years.

Best for

  • Technology and equipment that becomes obsolete
  • Businesses that upgrade every 2–4 years
  • Owners who want the lowest payment

Program terms

Every product and structure is available through the same equipment program: $15,000 to $10 million and more, application-only approvals up to $1 million, 12 to 84-month terms, A through C- credit and no industry restrictions.

Questions

Fair Market Value (FMV) Lease FAQ

Answers to common questions.

Who decides fair market value?

The lease spells out how FMV is set, usually an independent appraisal or an agreed method. Read it before you sign.

Are FMV lease payments deductible?

Operating lease payments are often deductible as a business expense. Confirm with your CPA.

How much equipment can I finance?

From $15,000 to $10 million and more. Approvals up to $1 million can often be made on a one-page application, with no tax returns or financial statements.

What credit do I need?

Programs span A through C- credit. Strong credit gets the lowest rates and 100% financing; challenged credit can still be approved with a down payment or additional collateral.

Do you finance startups?

Yes. Businesses with one year or more in operation have the most options, and startup programs are available with a strong owner profile or down payment.

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By state

Fair Market Value (FMV) Lease by state

Available in all 50 states and D.C.

Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Ready to apply for fair market value (fmv) lease?

Tell us about the equipment and we'll bring back the right structure.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.