This page from Sableport Capital Group in DeLand, Florida explains equipment financing and leasing for Volusia County, FL businesses: lawn and landscaping equipment, restaurant kitchens, dental operatories, gym equipment and salon stations, how a lease works, how a loan works, and how long equipment can be financed. Worked figures are invented.
At a glance
- Landscaping services employers, Volusia County, FL
371 (County Business Patterns 2023)
- Full-service restaurants
525 (County Business Patterns 2023)
- Offices of dentists
188 (County Business Patterns 2023)
Lawn Equipment Financing for Landscapers and Lawn Crews
Landscaping services counted 371 employer establishments in Volusia County, FL in 2023, 76.0% with fewer than five employees (County Business Patterns 2023). Zero-turn mowers, trimmers, blowers, trailers and the truck that pulls them are the core purchases, and each wears out on its own timetable.
Illustration only, invented figures: a crew buys a $38,000 mower and trailer package, puts $4,000 down and finances the rest over 48 months at an invented 9.5% annual rate, which works out near $854 per month (our arithmetic). Dealer programs sometimes offer promotional terms on new mowers; compare them in total dollars with a loan from another funder.
Restaurant Supply and Kitchen Equipment Around DeLand, FL
Full-service restaurants counted 525 employer establishments in Volusia County, FL in 2023 and limited-service restaurants 407 (County Business Patterns 2023). Ranges, fryers, hood and fire-suppression systems, walk-in coolers, dish machines and point-of-sale stations are the financed pieces.
Illustration only, invented figures: a $64,000 hood, suppression and cookline package over 60 months at an invented 10% annual rate costs about $1,360 a month (our arithmetic). Used kitchen equipment can be financed too, over a shorter term because it has less life left; ask each funder how it treats used units.
Dental Equipment Financing Companies for Dental Offices
Offices of dentists counted 188 employer establishments in Volusia County, FL in 2023, with 1,356 employees (County Business Patterns 2023). Chairs and delivery units, digital sensors, cone-beam imaging, sterilization equipment and practice software are the common purchases. Some dental equipment funders specialize in practices and read production and collections reports directly.
Illustration only, invented figures: two new operatories costing $52,000 financed over 72 months at an invented 9% annual rate come to about $937 a month (our arithmetic). The dental office page covers buying a practice and working capital.
Gym Equipment Financing Companies and Volusia County, FL Fitness Studios
Volusia County, FL had 67 fitness and recreational sports centers with a payroll in 2023 (County Business Patterns 2023). Racks, cardio machines, cable stations, rubber flooring and sound systems are the financed pieces, and cardio equipment in particular is replaced on a cycle, which can suit a lease.
A partner reading a gym's request looks at membership drafts, cancellations and the lease on the space. The gym page covers build-outs and working capital.
Salon Stations and Shampoo Bowls for DeLand, FL Salons
Volusia County, FL counted 158 beauty salons, 32 nail salons and 10 barber shops with paid employees in 2023 (County Business Patterns 2023). Styling stations, hydraulic chairs, shampoo bowls, dryers and pedicure spas are modest purchases one by one but add up across a full fit-out.
A salon owner can finance the set as one package. The salon page covers equipment, product stock and suite rentals.
How Does an Equipment Lease Work?
A lease lets a business use equipment for a set term in exchange for monthly payments, with the lessor keeping ownership. At the end, the business returns it, renews, or buys it at a stated price. Illustration only, invented figures: a $1,490 monthly lease over 60 months with a $1 buyout totals $89,401 (our arithmetic).
A fair-market-value lease has a lower payment and a buyout set at the item's value at the end. A one-dollar buyout lease works much like a loan. Ask a tax preparer how each is treated for the business.
How Does Equipment Financing Work From Quote to Final Payment?
- Get a written quote from the dealer, with model, year and price.
- Decide how much to put down; more down means a smaller payment.
- A partner reviews the business and the item, then sets the rate and term.
- The funder pays the dealer, and the business takes delivery.
- The lien is released, or the lease ends, after the last payment.
How Long Can You Finance Equipment, From a Laptop to a Lathe?
Terms follow the item's working life. A funder will not want payments running after a machine has worn out, so used items draw shorter terms than new ones, and technology that ages fast, such as point-of-sale or imaging software, draws shorter terms than a walk-in cooler or a CNC lathe.
Fabricated metal product makers, including machine shops, counted 78 employer establishments in Volusia County, FL in 2023 (County Business Patterns 2023); a lathe or mill can carry a longer term than a laptop. Match the term to how long the business plans to keep the item.
Machines and furnishings run through four articles: leasing or buying exam and imaging equipment, cribs, cots and play gear for a daycare, mattresses and laundry machines for a small hotel and draft systems and coolers for a bar.
By Sableport Capital Group ยท Updated