You might consider a lease to own agreement, over standard capital financing. Below are some of the reasons why:
1) CONSERVES CAPITAL.
Invest in assets that appreciate in value, lease assets that depreciate.
2) PAY AS YOU EARN/SAVE.
If the equipment is used to increase production or to lower operating costs, make the lease payments from your increased profits.
3) NO DOWN PAYMENT.
Pay only the first and last lease payments in advance.
4) PRESERVES ESTABLISHED CREDIT.
Keeping existing bank credit lines clear for operating purposes.
5) FLEXIBILITY
Terms and monthly payments can be tailored to fit your situation.
6) STABILITY
Your payments are not affected by changes in interest rates.
7) DECREASES INCOME TAXES.
Lease payments can usually be fully expensed.
8) SIMPLIFIES ACCOUNTING.
As a direct expense, the lease is normally excluded from balance sheet.