Build credit and
own equipment
in 24-60 months.

Our lease to own program gives contractors of all credits the opportunity to finance new or used business equipment between $20,000-$500,000.

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Your monthly payment






Down Payment



Document Fee



Apply Now

What our customers are saying

Juan - Texas

Ditch Witch HDD

I was renting equipment and just starting to work on my credit. Cultiva Financial gave us the opportunity. 100% recommended! Thank you!

Alex - Florida

Bobcat Track Loader

Before Cultiva, my credit was bad and no one gave me a chance. Now I own 3 skid steers and business is booming!

Pablo - Arizona

Komatsu Excavator

Sometimes you get lucky and find a company that's willing to help when everyone else said no. Thanks Cultiva!

Why Lease to Own equipment
with Cultiva?

Painless Application

  • No hard credit pulls

  • 100% Digital (Mobile Ready) Application

  • ITIN Accepted


  • Lease new or used equipment

  • Lease from any vendor across the country

  • Terms from 24 - 60 months

Business Growth

  • Own the equipment at the end of the term

  • Build Business Credit with every payment

  • Save on taxes with a 100% tax deductible payment

  • Improve cash flow and profits compared to renting

How it works

Follow these simple steps to own your own equipment!



- Submit Online Application
- 6 months of Bank Statements
- Valid Government ID



- Pay deposit / Document Fee
- Sign Lease Agreement
- Make monthly payments



- At the end of the term, make your final month payment and own the equipment.

The real cost of long term equipment rentals

Bobcat Skid Steer Tracked (2000lb): $55,000

Rental Customer

Monthly Rate:


Weekly Rate:


Daily Rate:


Lease to Own Customer

⭐️ Monthly Rate (36 term)


⭐️ Own equipment at the end

⭐️ Build Business Credit

Lesee saves over $30,000 per year compared with renting long term.

Apply Now


Will my credit be impacted when I apply?

What do I need to do to apply?

Should I apply before going to a dealership?

Can I lease used equipment?

Can I lease equipment for personal use?

How do I find equipment and does Cultiva have equipment in stock?

What interest rates do you offer for leases?

Can I buyout my lease early?

Who is the Lease to Own Program designed for?

Can I pay lease payments with a credit card?