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

Synthetic Lease

A structure treated as an operating lease for accounting while you keep ownership benefits for tax. For larger companies and projects.

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

How Synthetic Lease works

A synthetic lease is a financing structure for larger equipment and project financings that is treated as an operating lease for financial-reporting purposes while the lessee is treated as the owner for tax purposes. It can keep large commitments off the balance sheet while preserving depreciation.

Synthetic leases are complex and work best for established companies with audited financials and a CFO and auditor involved from the start.

Best for

  • Established companies with audited financials
  • Large equipment and facility projects
  • Companies managing balance-sheet ratios

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

Synthetic Lease FAQ

Answers to common questions.

Is a synthetic lease right for a small business?

Usually not. It's designed for larger, audited companies.

Who should review it?

Your CFO, auditor and tax advisor, before you commit.

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.

Related

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By state

Synthetic 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 Synthetic 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.