Build Credit and
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.
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
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
Lease new or Used Equipment
Lease from any vendor across the country
Terms from 24 - 60 months
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
Lease to own Customer
⭐️ Monthly Rate (36 term)
⭐️ Own equipment at the end
⭐️ Build Business Credit
Lessee saves over $30,000 per year compared with renting long term.
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?