Float Into Opportunity: How Creative Equipment Lease Structuring Turned a Boat Into a Mobile Ad Asset

Barrington Commercial Capital is known for delivering creative financing solutions that meet the needs of our clients. We’ve stepped outside the box to help clients streamline supply chains with PO financing, seize growth opportunities and unlock cash flow in a pinch.  

At Barrington Capital, we believe creative thinking can transform almost any asset — including a boat — into a growth opportunity. Here’s what happened.  

A Unique Business Vision

We recently worked with a Tennessee-based boat logistics company that moves vessels across the country. The owner had a bold idea: Purchase a boat, place it on a local lake and use it as a floating advertisement for the business.  

The owner’s mission wasn’t about affordability; he had the cash ready to buy. Instead, his challenge was finding a way to implement his idea without tying up working capital that could be used for other growth opportunities.  

Preserving cash flow is a common goal of BCC clients. It’s also something we specialize in.  

The Solution: A Three-Year Equipment Lease

Rather than funding the purchase outright, we structured a commercial equipment loan in the form of a three-year equipment lease with a $1 buy-back at the end. This approach offered several strategic benefits:

• Cash Flow Preservation: The business keeps capital free for operations and expansion  

• Tax Deductions: Lease payments are 100% tax-deductible because the agreement was set up as an operating expense, not CapEx

• Off the Balance Sheet: The asset is fully depreciated by the end of the lease and doesn’t appear on the balance sheet

This deal is a great example of commercial asset finance used creatively to meet specific business goals.  

Why Creative Financing Matters

Not every business needs the same funding structure. Traditional lending products are rigid. Some owners are fine with these limited avenues, as they want immediate ownership. Others, like our boat logistics client, value flexibility, tax advantages and keeping cash on hand.  

That’s why it’s important to work with a partner who understands how to structure equipment loans for businesses in a way that fits your strategy.  

Turning Ideas Into Assets

With our help, one client turned a boat into a branding tool that will market the company for years to come. And because we found the right structure, he achieved his vision without sacrificing financial agility.  

At Barrington Capital, we think outside of the box to find lending solutions that suit your needs. Creative commercial asset finance and business equipment loans are just a few of the tools we use to deliver results that work.  

Ready to learn more? Contact us today.