Leasing for state & local municipalities.

States, cities, counties, school districts, fire departments, police departments, and special districts all need equipment — and rarely have the budget to pay cash. Tax-exempt lease-purchase financing lets your agency acquire what it needs today and spread the cost across budget years, without the time and expense of a bond issue.

Build your deal → Apply now

Credit, time in business and liquidity requirements are listed in one place: qualification guidelines. Buying before year end? Section 179 calculator.

$20K – $5M+ funded New & used equipment Terms to 84 months 600+ FICO on many programs Response within 1–2 business hours

What we finance

State & Local Municipalities equipment we fund.

Fire apparatus & EMS equipment

Police vehicles & public safety gear

Public works & heavy equipment

School buses & district technology

Water & wastewater equipment

Parks & grounds equipment

IT, radio & communications

Energy & facility upgrades

Worth reading before you apply.

Capital strategyThe economics of paying cash vs. financing equipmentRead the article → Capital structureThe downsides of buying equipment on a line of creditRead the article → Application strategyWhy submitting to multiple lenders hurts your oddsRead the article →

More guides on the Five West blog. New here? See how the Deal Builder works.

Run the numbers, then apply.

Build your own payment, term and structure in the Deal Builder in a few taps. No credit pull, no obligation. When the numbers work, one application matches you with a dedicated funding professional who manages your deal from application to funding.

Build your deal → Apply now