Why Pay More For Equipment Financing?

Other finance companies talk about offering the lowest equipment lease payments, but Balboa Capital is willing to put money on it. It’s simple – Balboa Capital guarantees that we’ll beat any competitor’s lowest payment for the same equipment lease, or we’ll make your first payment. Balboa Capital is an established leader in the equipment leasing industry; we’ve provided custom-tailored equipment financing plans to many thousands of businesses throughout the US. At Balboa Capital, we take great pride in the value and excellent service we offer our customers.

We work hard to ensure that our equipment leasing solutions and industry-specific knowledge work together to create a great experience for you… our valued customer. We also want you to feel confident that Balboa Capital offers the lowest equipment lease payments, which is why we are proud to offer Balboa Capital’s Lowest Payment Pledge. Whatever equipment you are looking to lease with Balboa Capital, you’ll be confident that you are getting the lowest equipment lease payment, or we will make that first payment for you – guaranteed!

Lowest Payment Terms and Conditions

In the unlikely event that you find a lower monthly lease payment amount from a competing leasing company that is lower than the monthly payment offered by Balboa Capital for the same equipment and pursuant to the same terms, Balboa Capital will verify the validity and accuracy of the competing leasing company’s payment options, terms and the vendor quote. Balboa Capital has the option, in its sole discretion, to either beat the competing leasing company’s monthly payment or make the lessee’s first payment up to the amount of $500. The lessee must provide Balboa Capital with the competing company’s signed lease agreement with payment terms/options, and take delivery of the equipment.

Must be “Apples to Apples” Comparison

Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by Balboa Capital. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within 7 calendar days of the date Balboa Capital issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.


The Lowest Payment Pledge Guarantee is available to both new and established customers of Balboa Capital. This offer is valid for new lease applications only. The Lowest Payment Pledge Guarantee policy is not retroactive — a previously funded equipment lease with Balboa Capital is not eligible for the Lowest Payment Pledge Guarantee. Only non-contingent offers of lease terms from 24 to 60 months and payments are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

Notifying Balboa Capital of a Claim

You must contact Balboa Capital within seven calendar days of the date Balboa Capital issues its terms. The lower lease payment must be available at the time you contact us, as determined by our sales representative.

Verification of Claims

All requests are subject to verification by Balboa Capital. Balboa Capital will not accept screenshots or other purported evidence of a lower lease payment that cannot be independently confirmed by Balboa Capital personnel. Nor will verify any request that it believes, in its sole discretion, is the result of a printing or other error or is made fraudulently or in bad faith.


Balboa Capital reserves the right in its sole discretion to modify or discontinue the Lowest Payment Pledge Guarantee or to restrict its availability to any person or business at any time, for any or no reason, and without prior notice or liability to you. The terms that are in effect at the time of your claim will determine your eligibility under the Lowest Payment Pledge Guarantee. The failure by Balboa Capital to enforce any provision of these Terms & Conditions shall not constitute a waiver of that provision.