Business Leasing
Need equipment, vehicles, or facilities without a large upfront investment? We offer common-sense leasing solutions backed by local expertise and lasting relationships.
Why Lease Through Lake Ridge Bank?
Local expertise. Flexible terms. And a relationship-first approach that puts your business needs ahead of fees and fine print.
100% Financing
No down payment required—get the equipment you need without tying up capital.
Flexible Terms
Seasonal and variable payment options, plus no prepayment or early termination penalties.
Local Partnership
Work with a lender who knows your business and can help structure the lease to match your goals.
Tax Advantages
Take advantage of expense deductions and potential year-end savings through IRS depreciation rules.*
All-in-One Convenience
Save time by managing your banking and leasing needs in one place.
Accordion Feature
Adjust lease payments mid-term based on your cash flow or tax strategy—only from Lake Ridge Bank.
Choose the Right Lease Structure
Understanding the difference between lease types helps you make the smartest financial decision for your business.
Tax Lease
The leasing company retains ownership and depreciation benefits, potentially allowing your lease payments to be fully deductible.
Capital Lease
You receive ownership benefits, including depreciation. Typically includes a $1.00 purchase option at lease end.
Tailored Guidance
Every business is different—consult your tax advisor to determine which option aligns with your goals.
Flexible Financing for Every Stage of Growth
Business Loans
If leasing isn’t the right fit, explore our full range of business loan options, including term loans, lines of credit, and SBA-backed financing.
Small Business Support
Whether you’re just getting started or ready to expand, we offer flexible financing solutions to help small businesses grow with confidence.
Lines & Letters of Credit
Get access to working capital when you need it. Our business credit lines and letters of credit offer financial flexibility and payment guarantees for peace of mind.
Agricultural Lending
From equipment to expansion, we support farmers and ag businesses with loans tailored to the unique demands of agriculture.
Frequently Asked Questions
What types of equipment can I lease?
How is a lease different from a loan?
Can I upgrade or add equipment during my lease?
Are discounts or selection help available?
What are my responsibilities during the lease?
CEO Insights: Technology Should Make Banking Feel More Human, Not Less
Market Report: July 2026
Meet Your Business Banker: Jordon Geiger
