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Five West Financial
Industries · Municipal

Municipal leasing, built for public budgets.

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.

$5K – $5M+ funded Tax-exempt structures Terms to 84 months Non-appropriation language Response within 1–2 business hours
The process

How lease-purchase works.

01

Scope it

Tell us what your agency needs and the budget it has to work with. We come back with a quote at a tax-exempt rate.

02

Approve it

Board-friendly documentation with non-appropriation language that respects your budget cycle. No bond issue, no referendum.

03

Acquire it

We fund the vendor and your payments spread across budget years. A $1 buyout at the end means your agency owns the equipment.

What we finance

Municipal Leasing 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
Common questions

Answers before you apply.

What is tax-exempt lease-purchase financing?

A financing structure for government entities where the interest is tax-exempt to the lender, which translates to lower rates for your agency. A $1 buyout at the end means you own the equipment.

Do we need a bond issue or voter referendum?

No. Lease-purchase avoids the time and expense of a bond issue, and no referendum is required.

How do payments align with budget years?

Payments are spread across budget years, and agreements include non-appropriation language that respects your budget cycle.

Unsure about your options?

Schedule a free call with one of our funding experts. We’ll talk through your deal, answer your questions, and lay out exactly what fits — no obligation, no pressure.

Book a call