No-Money-Down Leasing in Nevada

Yes — Nevada lenders offer zero‑down CNC or press brake leases to borrowers with 620‑679 FICO, $300k+ annual revenue, and 2‑year operation history. APRs run 9‑12% over 48‑84 months.

See the rate you qualify for in 2 minutes.

The specifics

Zero‑down leasing programs in Nevada typically require:

• Credit: 620‑679 FICO (fair credit). According to Wigglesworth, this band is acceptable for no‑down leases.
• Revenue: Minimum gross revenue of $300,000 per year, with a debt‑to‑income ratio below 40% source.
• Years in business: 2–3 years of operating history to demonstrate cash flow stability.
• Equipment type: CNC machining centers, laser cutters, or press brakes with a purchase price up to $250,000; used items may incur a 1‑2% APR premium.
• Collateral: The equipment itself acts as collateral, allowing a potential 1‑3% APR reduction source.

Use the affordability calculator to estimate monthly payments, and follow the apply‑equipment‑financing‑step‑by‑step guide to submit the proper paperwork.

Qualification & edge cases

Lenders will deny zero‑down offers if:

• Your FICO falls below 620 or exceeds 699 (they may refuse risk‑heavy loans).
• Your gross revenue is under $200,000, limiting cash flow coverage (recommended monthly payment is 8‑12% of revenue).
• You have a history of late payments or a DTI above 40%.
• The equipment is for resale rather than long‑term use.

If you hover just below the thresholds—e.g., a $290,000 annual revenue—consider supplementing your application with a letter of intent from a key customer or a modest personal guarantee. This can shift the assessment toward a favorable outcome.

Background & how it works

The zero‑down lease model is a modern adaptation of traditional equipment financing: lenders purchase the machine and lease it back to you, eliminating your upfront capital outlay. Because the equipment serves as collateral, lenders can offer slightly lower APRs—often 9‑12% in 2026—compared to unsecured loans source. The lease term ranges from 48 to 84 months, with 30‑45 day approval timelines. Monthly payments follow the standard debt‑service coverage ratio of 1.25x, ensuring you’re removing no more than 12% of your gross revenue per month.

In Nevada, additional tax incentives—such as Section 179 deductions up to $1,220,000 in 2026—can further offset leasing costs, making the zero‑down approach even more attractive for small‑to‑mid‑sized shops.

Bottom line

A zero‑down CNC or press brake lease is available in Nevada if you meet the 620‑679 FICO range, $300k+ revenue, and 2‑year track record. APRs run 9‑12% over 48‑84 months. Act now—see the rate you qualify for in 2 minutes.

Disclosures

This content is for educational purposes only and is not financial advice. metalfabricationfinancing.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.

Sources

• Wigglesworth
• Leasefoundation.org
• Contend Capital
• fabricationshoploans.com: Henderson, NV
• SBA 7‑A Guidelines