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

Step / Unlevel Payment Lease

Start with low payments while new equipment ramps up, then step them up as it starts producing revenue.

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

How Step / Unlevel Payment Lease works

New equipment rarely earns its full potential on day one. A step-up schedule starts with reduced payments for the first months, then steps up once the machine, truck or system is fully productive. A step-down schedule does the reverse, front-loading payments when you have tax benefits or cash to deploy.

Unlevel payments let you match the financing to the equipment's actual earning curve instead of forcing a flat payment.

Best for

  • New locations and production lines ramping up
  • Startups and expansions
  • Medical practices adding a new service

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

Step / Unlevel Payment Lease FAQ

Answers to common questions.

How low can the first payments be?

It depends on the deal; deferred or interest-only starts of 3–6 months are common.

Can payments step down instead?

Yes, step-down schedules are available too.

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

Step / Unlevel Payment 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 Step / Unlevel Payment 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.