Independent equipment finance advisory  ·  Established 2001Have a financing question?   (845) 362-6106 ↗
Independent expertise. Personal attention.

Equipment finance for your business.

Leasing Solutions helps businesses finance equipment, supports dealers with leasing programs and advises finance professionals on complex transactions. Work directly with Steven B. Geller, CLFP—an equipment-finance professional with decades of industry experience.

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Personal guidance from first conversation to next steps.
2001
Independent since 2001Established equipment finance practice
40+
Years of industry experienceAcross banking, leasing & funding
CLFP
Professional designationLed by Steven B. Geller, CLFP
What we do

Equipment financing. Personal service.

Equipment purchases, vendor leasing programs, transaction placement and consulting. Deal directly with an experienced independent broker who understands the equipment and the financing process.

01 / EQUIPMENT

Equipment leasing & finance

Explore financing options for machinery, vehicles and essential-use business equipment through independent funding relationships.

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02 / VENDORS

Vendor financing programs

Help customers move forward with equipment purchases through leasing programs designed around their needs and your sales process.

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03 / INTERMEDIARIES

Broker & funding relationships

Support for lease brokers, banks and financing companies seeking transaction placement, credit review and funding relationships.

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04 / ADVISORY

Consulting & transaction advisory

Independent help with lease structure, documentation, portfolio matters, due diligence and challenging financing relationships.

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01 — FOR EQUIPMENT VENDORS

Help your customers buy with confidence.

A financing partner should make it easier to sell equipment—not create another obstacle. Leasing Solutions works with manufacturers and dealers to build programs suited to the equipment, customers and sales process.

Offering lease options may help customers overcome upfront purchasing barriers, while scheduled lease-end conversations give vendor sales teams opportunities to reconnect with customers as equipment needs evolve.

LEASING PRODUCTS

Structures for different needs

  • Fair-market-value leases
  • Operating leases
  • Finance leases
  • Software leases
  • Creative structuring
  • Captive program outsourcing
VENDOR FINANCING PROGRAMS

Vendor program parameters

$20K–$2MEquipment transaction range
Up to $75KApplication-only programs

Programs may serve established businesses and qualifying newer companies whose principals have relevant management experience. Private-label lease documentation is available upon request, depending on the arrangement.

Program terms and eligibility depend on the transaction and funding source.
WHO THESE PROGRAMS SERVE

Equipment manufacturers & dealers

Production machineryConstruction equipmentMedical devicesVARs & resellersHotel equipmentSoftwareComputersTelecommunicationsFF&E

Programs are tailored to the vendor and the needs of customers—not a one-size-fits-all offer.

THE OBJECTIVE

Remove friction between interest and acquisition.

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02 — FOR EQUIPMENT BUYERS

Equipment financing, made personal.

When you need essential-use equipment, the right financing structure matters as much as the equipment itself. Leasing Solutions works with wholesale funding sources—including banks and finance companies—to explore transactions across a range of circumstances.

Potential clients include businesses, partnerships, professional practices, municipalities, government agencies and nonprofit organizations, subject to funding-source requirements.

EQUIPMENT FINANCE · BROKERAGE
Financing profile
$10Kto$2M
$10,000 – $2,000,000

Financing is arranged through independent funding relationships. Program availability, pricing and credit approval vary by transaction.

01

Start with the equipment

Understand the equipment type, business purpose, vendor, projected acquisition cost and timing.

02

Consider the right structure

Discuss financing or leasing alternatives based on practical requirements and the available programs.

03

Work through funding relationships

Steve uses experience with financial institutions and independent funding partners to evaluate possible placement.

04

Review before applying

Speak with Steve first. Avoid sending sensitive identity or credit documents until the correct process and recipient are clear.

03 — FOR LESSORS, BANKS & BROKERS

Consulting for finance professionals.

Leasing Solutions' consulting practice extends beyond originating new equipment purchases. Steve has worked with leasing companies, banks, finance brokers and funding sources on transaction review, structuring, documentation, placement and portfolio-related matters.

01

Transaction structuring

Review of new business, credit information and documentation; assistance navigating complicated transactions.

02

Funding-source intermediary

Introducing or working between lease brokers, lessors and banks or funding companies for the placement and sale of lease and finance agreements.

03

Portfolio transactions

Advice on lease-portfolio reviews, sales and relationships that may require independent industry experience.

04

Due diligence & resolution

Bank-side due-diligence reviews for portfolio or company acquisitions, plus consulting on difficult commercial relationships.

For leasing companies and industry professionals, the first step is a confidential scoping conversation—not an unsolicited application or document upload.

Ask about consulting
Relationships matter

Who we serve.

For the people making equipment decisions—and the professionals helping make them possible.

Let's talk about your needs
01

Business owners & lessees

Financing conversations for companies purchasing or replacing business-critical assets.

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02

Equipment manufacturers & vendors

Funding approaches that can complement the equipment sales process.

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03

Lease brokers & intermediaries

Experience navigating deal structure, credit review and funding relationships.

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04

Banks & funding sources

Transaction support and consulting informed by decades of industry experience.

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Industry perspective

Equipment and industries we understand.

From production machinery and construction equipment to technology and specialized commercial assets, every financing discussion begins with the equipment itself.

Construction & heavy equipment
Manufacturing & industrial
Commercial trucks & transportation
Medical & dental
Hotels, hospitality & FF&E
Technology, software & telecom
Production machinery & process equipment
Dealers, resellers & specialized assets

Representative industries only. Actual equipment eligibility, available structures and funding terms depend on the transaction and funding source.

Let’s talk

Talk about your equipment and financing options.

No anonymous application funnel. Tell Steve what you are trying to finance, discuss the equipment and timing, and learn which next steps may make sense.

Book a call Or speak with Steve directly(845) 362-6106
The experience behind the name

Meet Steven B. Geller, CLFP.

Steven founded Leasing Solutions in 2001 after a career in bank examination, commercial lending, credit management and equipment finance. Clients benefit from direct communication, practical transaction experience and established funding relationships.

The process begins with a conversation about the business, the equipment and the financing goal.

Speak directly with Steve ↗
Steven B. Geller, CLFP — founder of Leasing Solutions LLC
STEVEN B. GELLER, CLFP Founder · Leasing Solutions

Steven B. Geller, CLFP

Founder · Leasing Solutions, LLC
Earlier roles include Vice President at ORIX Credit Alliance (1989–2001), Credit Manager and Vice President at Tilden Financial (1982–1989), banking positions, and National Bank Examiner with the Office of the Comptroller of the Currency (1969–1976).
Credentials & professional history

Professional background.

A career across bank examination, lending, credit operations and equipment leasing forms the foundation of Steve’s independent work today.

Leasing Solutions, LLC

Founder and owner; independent leasing, equipment-finance brokerage and consulting.

ORIX Credit Alliance

Operations and branch management, vice president and rediscount responsibilities.

Tilden Financial Corporation

Credit manager and vice president.

Independent leasing companies

Marketing representative for two independent equipment leasing companies.

Peoples National Bank

Vice president and loan officer · Monsey, New York.

National Bank Examiner

Office of the Comptroller of the Currency.

Decades of industry involvement

Experience beyond individual transactions.

Steven has served on industry boards, committees and professional initiatives throughout his career. The dates below reflect those periods of service.

01

CLFP Foundation

Trustee/director in 1999–2003 and 2005–2007. The company says Steve was one of five original trustees chosen to establish the CLP Foundation program.

02

Eastern Association of Equipment Lessors

Board of Directors 1994–2003, vice president 1997–2001; committees included Fall Expo, annual conference, nominations, technology and chapter activities.

03

National Equipment Finance Association

Regional planning and conference committee involvement.

04

National Association of Equipment Lease Brokers

Participation in membership, distance learning and master member committees.

05

Equipment Leasing and Finance Association

Independent leasing company and transaction network committees; company representative.

06

UAEL / WAEL

Past roles included annual conference exhibitor committee chair, ethics committee vice chair, CLP committee and funders interest-group committee.

07

Leasing News

Advisory board member, 2001–2003.

From the company's resource

Steve’s professional background includes work with industry organizations such as NEFA, ELFA, NAELB and the CLFP Foundation.

Professional reputation

What industry colleagues say.

Industry colleagues spoke about Steve’s experience and character during his Leasing News Advisory Board nomination.

“
He is experienced, honorable and willing to look at both sides of a question.
Bob Teichman, CLPTeichman Financial Training
“
He is highly respected by the leasing companies he has provided funding to.
Bruce KropschotKropschot Financial Services
“
It was a unanimous decision.
Kit MenkinEditor / Publisher, Leasing News · Steve's advisory-board nomination
Read more professional endorsements +

Steve Crane, CLP

Bank of the West

“I feel that he is a man of integrity.”

Bob Rodi

LeaseNow

“He is a very level headed guy.”

Charlie Lester

LPI Financial

“I have only heard good things about him.”

Rob Yohe

Industry colleague

Supported Steve's advisory-board appointment, recalling meeting him at an equipment leasing industry event.

Ken Greene

Industry colleague

“Steve Geller would make a fine addition to the advisory board.”

Ginny Young

Brava Capital

“Geller would be a great addition to the advisory board.”

Bob Baker, CLP

Industry colleague

“He would be an excellent addition.”

Phil Dushay

Industry colleague

“He has my vote.”

Comments from equipment-finance colleagues on Steven’s Leasing News Advisory Board nomination.

LEASING SOLUTIONS
2001
Independent equipment finance
Leasing / Brokerage / Advisory
A personal approach

Experienced guidance. Direct communication.

For financing questions, you should know who you're working with. Leasing Solutions was built around long-standing industry relationships and direct access to its founder—not an anonymous application funnel.

Start with what you're buying, who you're buying it from and what you hope to accomplish. From there, Steve can help discuss the relevant next steps.

Speak with Steve
How we work

A clear process from the start.

01

Begin with a conversation

Speak about what you need before sharing an application or sensitive financial information.

02

Define the transaction

Discuss the equipment, acquisition timeline, project economics and relevant business context.

03

Explore possible structures

Consider appropriate lease or financing approaches and potential funding relationships.

04

Review informed next steps

Understand what information may be needed and how a formal review could proceed.

Perspectives / Why lease?

Why leasing may make sense.

Leasing, borrowing and purchasing equipment outright serve different goals. The right path depends on cash flow, asset life, ownership priorities, the business's financial profile and funding availability.

Tax and accounting treatment depends on the agreement and current standards. In particular, older advice that an operating lease automatically stays off the balance sheet is not generally reliable under modern U.S. lease accounting rules (ASC 842). Review the arrangement with an independent accountant or tax professional.

Discuss your equipment strategy
Leasing

May align equipment use with a defined payment period. Ownership, residual terms and end-of-term options depend on the specific agreement.

Financing / Loan

Can provide a path to equipment ownership through scheduled repayment, subject to lender criteria and loan structure.

Cash purchase

Can avoid financing obligations but uses available liquidity upfront, which may have an opportunity cost for the business.

Equipment acquisition guide

Potential benefits of leasing.

Equipment leasing may help align acquisition costs with a company’s operations. Benefits vary by structure, equipment, accounting treatment and the funding provider.

01 / CAPITAL

Preserve working capital

Instead of a large outright purchase, some lease arrangements spread payments over time. Upfront payments vary by contract and credit decision.

02 / CASH FLOW

Plan around your revenue

Payment schedules can sometimes be structured around seasonal patterns, budget requirements and how the equipment generates income.

03 / FLEXIBILITY

Make room for growth

Depending on program terms, adding or upgrading equipment may be easier through master leases, amendments or a new financing agreement.

04 / EQUIPMENT

Manage technology change

Lease-end choices can help businesses consider equipment replacement; end-of-term obligations and residual-value risk vary by structure.

05 / SERVICES

Tailor the whole package

Some arrangements may incorporate installation, maintenance or other services. Always compare the full obligations and total cost.

06 / TAX & ACCOUNTING

Evaluate financial treatment

Lease tax treatment and balance-sheet reporting depend on the precise terms and current rules. Ask qualified tax and accounting advisers.

Before you sign

Better questions.
Better decisions.

A thoughtful lease comparison starts with the economics and the fine print—not just the monthly payment.

Ask Steve about your options
01

How long will this equipment remain productive for your business?

02

What is the total cost, including fees, maintenance, insurance and taxes?

03

What happens if you need to upgrade, change or end the arrangement?

04

Which purchase, renewal or return options apply at the end of the term?

Decision guide

Lease, loan or cash purchase?

A useful financing comparison looks at upfront cost, collateral, ownership, obsolescence and tax treatment. Here is a more accurate framework for reviewing today's transaction.

Decision factorLeaseEquipment loanCash purchase
Upfront investmentMay require first payment, deposit or other feesMay require down payment and loan costsEntire purchase price generally due upfront
OwnershipDepends on contract and any end-of-term purchase optionBorrower commonly owns equipment subject to lender's security interestOwned outright, subject to any separate liens
Cash flowPayments can align costs with use of equipmentPrincipal and interest repaid over scheduleNo finance payment, but cash is deployed at purchase
Equipment obsolescenceRisk and return obligations depend on lease termsOwner generally bears market-value changesOwner bears market-value changes
Tax/accountingVaries by lease classification and current accounting standardsDepends on interest, depreciation and tax rulesDepreciation and tax treatment vary by asset and rules
Best discussionTerm, residual, return conditions, buyout, total paymentsAPR, collateral, covenants and total borrowing costAvailable liquidity and opportunity cost

Educational comparison only, not tax, accounting or legal advice. Cash requirements, financial-statement treatment and deductions vary by financing structure and applicable standards.

A little industry history

A short history of leasing.

The Leasing Solutions educational materials trace equipment leasing from ancient agricultural arrangements to modern financing for railroads, machinery and technology. Explore key milestones in the development of equipment leasing.

ANCIENT WORLD

The earliest arrangements

Early forms of renting agricultural tools, land and other productive assets appeared in the ancient Near East and later classical societies.

1700s–1800s

Transport & rail

In the United States, livery businesses leased horses and wagons. By the late 19th century, railroad equipment financing had become a significant commercial practice.

1920s–1950s

Vendor programs emerge

Manufacturers used installment contracts and financing programs to support sales. Dedicated U.S. equipment leasing companies emerged in the mid-20th century.

1960s–TODAY

More industries, more structures

Computers, office equipment, bank-affiliated leasing and new accounting rules changed the market. Equipment finance continues to evolve alongside the assets companies use.

Equipment financing case study

Equipment leasing in practice.

An equipment-industry case study of Cherokee Carpet Industries illustrates how lease structure can help a growing manufacturer manage capital needs. This example is educational, not a Leasing Solutions client transaction.

This is an educational industry case study and does not represent a transaction arranged by Leasing Solutions.

CHEROKEE CARPET INDUSTRIESINDUSTRY CASE STUDY

A $3.5M industrial equipment decision

The case describes a manufacturer with approximately 315 employees and $50 million in annual sales seeking a Plantex 36 End Extruder to support expansion.

$3.5MEquipment purchase described
7 yearsCapital lease term
Years 3 & 5Early buyout options

The case illustrates how leasing can help a company preserve operating capital during expansion. The figures reflect the period described and do not indicate current financing terms.

Further reading & industry resources

Resources and industry links.

Explore useful perspectives on financing, leasing strategies and the organizations that shape the equipment-finance industry.

INDUSTRY PERSPECTIVE · 2001

Equipment leasing in changing markets

Read an industry perspective on using equipment leasing to manage working capital and equipment purchases. Originally published in April 2001.

FINANCING GUIDE

Why leasing can be good business

Understand how equipment leasing can help manage cash flow, budget for equipment, keep business operations flexible and plan for future needs.

INDUSTRY ORGANIZATIONS

Professional associations

Explore industry organizations including NEFA, ELFA, NAELB and the CLFP Foundation. Their educational resources can help inform equipment-finance decisions.

NEFA ↗ELFA ↗CLFP Foundation ↗
REQUEST THE NEXT STEP

Equipment financing application

Start with a conversation. Steve will explain the appropriate next steps and any documents needed for a formal application.

Request application instructions
Common questions

Questions answered.

A few straightforward answers about how independent equipment finance works. If your situation is more complicated, speak with Steve directly.

Leasing Solutions is an independent equipment finance brokerage and consulting firm. It works with funding sources and industry participants to explore appropriate financing solutions. Financing decisions are made by the relevant funding provider.
Steve recommends speaking with a financing representative before submitting a credit application. This helps clarify the process and reduces the risk of unnecessarily sharing personal or business information or creating avoidable credit inquiries.
Equipment finance needs span manufacturing, construction, medical and dental, transportation, food processing, and many other sectors. Eligibility and available structures depend on the particular equipment, business and funding source.
Yes. Leasing Solutions' services include equipment vendor support, broker and funding-source relationships, consulting, transaction structuring, credit review and portfolio-related advisory work.
Vendor financing services include fair-market-value, operating and finance leases, software leasing, captive program outsourcing, flexible structuring and, upon request, private-label leasing documents. Ask Steve about available programs.
Yes. His consulting experience covers new-transaction review and structuring, credit and documentation support, lease portfolio sales, placement relationships and bank-side acquisition due diligence.
Start with the type of equipment, approximate purchase cost, vendor (if known), business use and expected timeline. Do not send Social Security numbers, bank credentials or sensitive documentation through the website or ordinary email.
Applications & resources

The forms you need.
Ready when you are.

Start with a conversation about your financing needs. When you're ready, access the relevant Leasing Solutions form here.

For businesses seeking equipment financing

Equipment Leasing Application

Review the information typically requested as part of an equipment-finance application.

View PDF Download PDF ↓
For leasing professionals and funding partners

Lessor Datasheet

For professionals discussing broker and funding-source relationships with Leasing Solutions.

View PDF Download PDF ↓

These documents request financial or personal details. Speak with Steve before completing an application. Never enter sensitive information into the website’s general inquiry form.

Call (845) 362-6106 ↗
A personal conversation

Schedule a call with Steve.

Whether you are planning an equipment purchase, developing a vendor finance program, or exploring a complex transaction, the conversation starts here.

Tell us what you needShare the equipment, program or question—no sensitive credit details.
Connect directlyShare your preferred availability and Steve can confirm a time with you.

Prefer to call? (845) 362-6106 ↗

PRIVATE CONSULTATION

Schedule a conversation

Discuss your financing requirements in a one-on-one call with Steven B. Geller, CLFP.

Personal consultation Confirmation by email

Request a convenient time by email. Online calendar booking can be enabled when available.

Personal consultation

Request a call with Steve

Share your preferred time and contact information. Your email application will open with a prepared request; your appointment is not confirmed until Steve replies.

Do not include SSNs, tax IDs, account details or confidential financial records.
Let's talk

Let’s discuss your financing needs.

Discuss your equipment, vendor program or financing challenge directly with Steven B. Geller, CLFP. A quick conversation can clarify the path forward before you share financial documents.

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Call Steve(845) 362-6106
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Fax(815) 642-0837
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Office
755 Route 340, Palisades, NY 10964

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