Get the gear to grow your business
KMX Industrial has teamed up with Clicklease. No hard credit check, no time in business needed, and an instant decision in seconds, so you can get to work.
Two paths to own it
One lease, two ways to own it. Ride out your term with easy monthly payments, or buy it out early whenever your business is ready.
Make all the payments, and it’s yours*.
A busy season, a big contract, a strong year? Pay early and save big. One payoff whenever your business is ready, and it’s yours.
Owning the equipment is always your choice, not an obligation. Own it early, own it later, or if you’d rather not keep the equipment, you can return it at the end of your lease.
One sum with two parts. Your remaining monthly payments at the discounted rate, plus your Purchase Option and applicable taxes and fees. We prepare it for you in a single convenient quote. “All the payments” means your monthly lease payments plus your Purchase Option.
On this page we say “payoff,” “pay it off,” “buyout,” and “buy it out.” They all mean the same thing, purchasing your equipment early under the Purchase Option terms of your Lease Agreement, which you’ll review before signing.
Any time through your lease you can purchase the equipment for 30% off your remaining lease payment plus the purchase option and any applicable taxes and fees.
Leasing, built to work for small businesses
A simple monthly payment, a fair shot at approval, and a clear path to owning the equipment.
Your discount is live at day one, and the earlier you pay it off, the more you save.
Every credit story gets a fair shot, not just the perfect scores.
Applying to see your options doesn’t affect your credit.
Just getting your business off the ground? No problem!
Apply in minutes and know right away. No documents, no waiting a week.
We offer multiple terms to best match your business needs.
See how paying it off early works
No math required. Here’s the timeline of a lease, and the ways you can make the equipment yours ahead of schedule.
Here’s a sample of a typical lease with Clicklease. The deeper the color, the bigger your savings when you buy out early.
No waiting period. Your buyout option starts the moment your lease does. Pay your remaining term payments at 30% off, plus your Purchase Option, and it’s yours.
The earlier you purchase, the more is left on your lease, so the same 30% means bigger savings compared to the full term. A good season can help you pay early and save money.
Your discount applies to whatever’s left on your lease. Pay early and your savings are bigger.
Two ways to get it, whenever you want it.
See your real payment for every term you qualify for. Checking won’t affect your credit score.
Already leasing? Call (888) 509-5592 any time and we’ll give you your exact payoff for right where you are in your lease. No guessing, no surprises.
The sooner you pay it off, the more you save
Every lease comes with an Early Purchase Option built in. No penalty, no fee, and a discounted payoff quote whenever you’re ready.
How a lease works
No business documentation, no waiting for the back office, and checking your options won’t affect your credit score.
See real payment amounts for every term you qualify for, and pick the one that fits your business.
Your vendor gets paid, and you can get to work. Your payments start on a schedule you’ll see before you sign.
Make all your payments, or pay it off early at a discount. Either way, you can own the equipment.
A low upfront cost gets you started. Your equipment goes to work.
Pay early and get a discount on your remaining term payments. Sooner means bigger savings.
Finish your payments, complete your Purchase Option, and the equipment is all yours.
Is a lease right for you?
A lease isn’t a loan, and it isn’t rent-to-own either. Here’s how it actually stacks up.
Pay it off early
Every lease comes with a built-in discount, live from day one. Buy out any time by paying your remaining term payments at 30% off, plus your Purchase Option and applicable taxes and fees in the same sum. There’s no penalty and no fee to do it. Your discounted quote is available whenever you’re ready.
How is my payoff calculated?keyboard_arrow_up
The discount applies to your remaining term payments. Your Purchase Option and applicable taxes and fees are added in the same sum. The earlier you purchase, the more you save. Call us any time for your discounted quote.
What is my Purchase Option?keyboard_arrow_up
It’s your option to keep the equipment after your lease term, and is usually split into a few extra payments after your term payments. We try to keep them close to the same size as your regular payment, and we include them in the term we show so you see one clean number. Complete them at the end of your term, or include them in your buyout when you purchase early. Either way, once the purchase option is paid, the equipment is yours. And owning is always your choice. You can also return the equipment at the end of your lease if you want.
Is there a prepayment penalty?keyboard_arrow_up
No. Paying early only ever works in your favor.
Are my lease payments tax deductible?keyboard_arrow_up
Many businesses deduct equipment lease payments as a business expense. Every situation is different, so talk with your tax advisor about yours.
When does paying off make the most sense?keyboard_arrow_up
The math favors early. But “early” is whenever your business is ready. A strong season, a tax refund, a big invoice landing? Make it yours, sooner.
What happens after I pay it off?keyboard_arrow_up
The lease is complete and the equipment is yours.
Every credit story gets a look
We price your lease based on your whole picture, not just a number. Stronger credit gets better payments, and building credit still gets a real offer. A fair shot at the equipment, whatever chapter your credit story is on.
What credit score do I need?keyboard_arrow_up
A credit score doesn’t tell your whole story. We use more information to make our decision and give you a chance when the other guys don’t.
Does better credit get me a better deal?keyboard_arrow_up
Yes. Stronger credit means lower payments. You will see your actual numbers the moment you’re approved.
What if I’ve been turned down elsewhere?keyboard_arrow_up
Banks and leasing companies look for different things. A “no” from a bank doesn’t predict our answer.
Look without leaving a mark
Checking your options with Clicklease won’t affect your credit score. You can apply, see your real payment for every term you qualify for, sleep on it, and come back. The looking is free and the deciding is yours.
What’s the difference between a soft and hard credit check?keyboard_arrow_up
A hard check is for traditional credit, like a mortgage or loan, and gets recorded so lenders can see you’re looking for capital. A soft check is similar to viewing your own score or getting a pre-qualified offer. Other lenders can’t see a soft check, and it never touches your score. Checking your options with Clicklease is a soft check.
Does anything hit my credit?keyboard_arrow_up
No. Applying doesn’t impact your credit in any way.
New business? Welcome!
Most lenders want to see years of history before they’ll talk to you. We don’t. Just getting your business off the ground? No problem! We built Clicklease for the first trailer, the first mower, the first machine. The equipment that gets a business from idea to income.
What do you look at if not time in business?keyboard_arrow_up
Your application as a whole. Our approval process was built for small businesses, so we weigh your overall credit picture instead of years in business or a single score from the bureaus. A brand-new business isn’t a strike against you. It’s who we built this for.
Do I need an LLC or an EIN?keyboard_arrow_up
Neither. We welcome sole proprietors, including ones who are just barely getting started. No LLC, no EIN, no problem.
Answers in minutes, not weeks
Apply in a few minutes with no documents until you’re ready to sign, and get an instant decision on the spot for approvals up to $30,000. No waiting week, no loan committee, no chasing paperwork. You find out while you’re still standing next to the equipment.
What do I need to apply?keyboard_arrow_up
Your basic info, SSN or ITIN, a quick description of the equipment and your business. No documents, no bank statements, no tax returns. Occasionally we ask you to verify your bank account by logging in, and that’s it. A valid ID will be required to sign.
How long is my approval good for?keyboard_arrow_up
30 days. That’s time to pick out the equipment, talk it over, and decide without pressure. If it expires, applying again is just as fast.
Payments that fit your business
We offer multiple term lengths, and you’ll see a real payment amount for each one you qualify for. Pick the one that matches how your business earns. Slower months? Choose the lower payment and remember you can always pay it off early once things pick up.
Which term lengths do you offer?keyboard_arrow_up
A few, and they depend on your equipment and application details. When you apply you’ll see every term you qualify for with its real payment, side by side. Pick the one that fits you best.
Can I change my term later?keyboard_arrow_up
The term is set when you sign, so pick a payment you’re comfortable with. But you’re never stuck with it. Pay it off early whenever you’re ready and you own it ahead of schedule. If your circumstances ever change, call us. We’d love to work with you and find a way to make your payments work.
What’s included in my payment?keyboard_arrow_up
Your fixed lease payment and estimated taxes, all in one number shown before you sign. Your Purchase Option is shown in the lease agreement as well. Tax rates are subject to change.
Your questions, answered
Built from questions real customers actually ask.
Can I pay off early?keyboard_arrow_up
Yes. Every lease comes with an Early Purchase Option, your built-in way to buy the equipment early and own it sooner. The earlier you use it, the more you save, and there’s no prepayment penalty. Whenever you’re ready, call us and we’ll give you your exact discounted quote.
Do I own the equipment at the end?keyboard_arrow_up
You can, with two ways to get there. Pay through your full term, complete your Purchase Option, and it’s yours. Or purchase early at a discount and own it sooner. Either way, you can own it.
Is this a lease or a loan?keyboard_arrow_up
It’s a lease with a clear path to ownership. You make a simple monthly payment to use the equipment now, and you choose how you want to own it. Ride out the term, or buy it out early and save.
Will applying hurt my credit?keyboard_arrow_up
Checking your options won’t affect your credit score. You can see what you qualify for before you commit to anything.
How much do I need up front?keyboard_arrow_up
Less than $999 to get started, in most cases. You’ll see your exact amount when you apply.
What’s my interest rate?keyboard_arrow_up
A lease doesn’t have one. There’s no interest rate and no principal balance. You pay a fixed monthly charge to use the equipment, and you’ll see that number, and every other cost, before you sign. Want to pay less overall? That’s where paying it off early can help.
How is my early purchase amount calculated?keyboard_arrow_up
Your payoff is your remaining term payments at a discount, plus your Purchase Option and applicable taxes and fees, together in one sum. The sooner you pay it off, the more you save, and there’s no prepayment penalty. Every cost is shown before you sign, and you can call us any time for your exact discounted quote.
Are my lease payments tax deductible?keyboard_arrow_up
They may be. Many businesses deduct equipment lease payments as a business expense. Talk with your tax advisor about your situation.
What fees does a lease have?keyboard_arrow_up
Just a few, and you’ll see them before you sign. A one-time doc fee (nonrefundable, shown with taxes at signing), and your monthly payment, which already includes estimated taxes and small admin fees. The rest are avoidable. Late and returned-payment fees apply only if a payment is missed. There’s never a prepayment penalty, and we’re happy to talk you through any other questions.
When does my first payment happen?keyboard_arrow_up
You pick your payment date during signing based on when your business bank account gets its regular deposits, so the payment lands when money does. You’ll see your estimated first payment date before you sign. Payments start when your lease is finalized, which may be before your equipment is delivered. If the lease isn’t finalized in time, we move the payment to the same day the following month.
What if my business changes and I can’t make my payments?keyboard_arrow_up
We want your business to succeed. A lease is non-cancelable, so pick a payment you’re comfortable with, and if things get tight, call us at (888) 509-5592 as early as you can. We’ll work with you to find a way forward.
When can I buy it out?keyboard_arrow_up
Anytime. Buying out in your first few months saves you the most but you can pay it off whenever you’re ready, at a discount on your remaining monthly payments plus your purchase option and any applicable taxes and fees. You’re never locked out of ownership.
Ready when you are
Apply in minutes. See your real numbers. Decide with all the details in front of you.