Rent to Own · Texas
From worker to owner — no bank, no dealer, no excuses.
At Lease and Work we help Latino workers in Texas get new or used machinery through a clear, transparent Rent to Own program designed to help you grow.
Dream of owning your own equipment? Tired of working for others, knowing that with the right machinery you could be earning more on your own? We help you take that step.
Answer within 48 hours with a complete file. Fixed payments. No fine print.
20%
down payment
<48h
response time
$5K – $80K
USD financing
24–60
months term
We get it
WE KNOW HOW HARD IT IS WHEN THE SYSTEM CLOSES THE DOOR ON YOU
The bank asks for a history you don't have. The dealer asks for requirements you don't meet. And meanwhile, you keep working hard, with real experience and the desire to grow. At Lease and Work we understand that situation because that's exactly why we created this company. We don't ask for credit perfection. We ask for documentation that shows what we already know: that you know how to work and that you can pay. Here we listen to you. Here we evaluate you with respect. And if your case applies, we give you a clear answer in less than 48 hours.
01
Starting from zero
It's okay. We all start somewhere. If you have work, you have income, and you have drive, we help you take the first step with your own machinery.
02
Working on your own
You are your own boss. Every job you do is proof that you know what you are doing. With your own machinery, that effort becomes equity.
03
Growing your business
We finance machinery for construction, landscaping, agriculture, excavation, concrete, tree service and more.
Who we are
We are not a bank. We are not a dealer. We are Lease and Work.
Lease and Work is a machinery financing company legally established in Texas. We help Latino workers obtain work machinery through a Rent to Own model with fixed payments, a clear contract, and a transparent process.
Legally established in Texas
Spanish-speaking service
New and used machinery financing
20% down payment
Fixed monthly payments
Answer in under 48 hours with full file
At end of term, the machine is yours
Experience serving the Latino market in Texas
Why Lease and Work
Transparency so you sign with confidence
We know distrust exists. We know signing can feel scary. That's why everything at Lease and Work is clear from the start: transparent contract, fixed payments, and a team that speaks your language. We don't just speak Spanish — we speak with respect, honesty and clarity.
No fine print.
No surprises.
Fixed monthly payments.
Clear contract.
Spanish-speaking service.
Support throughout the process.
You choose the machinery.
You choose where to buy it.
Equipment
The machinery you need to work for yourself
We finance new and used machinery for construction, landscaping, agriculture, excavation, concrete, tree service and more.
Landscaping
Agriculture
Excavation
Concrete
Forklifts
Examples of machinery we finance
- Bobcat / Skid Steer
- Backhoe
- Mini excavator
- Excavator
- Tractor
- Forklift
- Landscaping equipment
- Agricultural equipment
- Tree service equipment
Lease and Work does not hold its own inventory. You choose the machinery and where to buy it — dealer or private seller. If you buy from a private seller, they must be able to issue an invoice; without an invoice we cannot process financing.
Tell us what machinery you need and we'll help review your case.
Rent vs Rent to Own
Pay weekly forever, or pay for something that will be yours?
With Lease and Work, your monthly payments can be lower than what you'd pay for one week of renting the same machine. The difference is that at the end of the term, the machinery can be fully yours.
Renting machinery
- You pay every week.
- The equipment is never yours.
- Constant dependency.
- Your money builds no equity.
Lease and Work
Rent to Own with Lease and Work
- Fixed monthly payments.
- You use the machine to generate income.
- At the end of the term, the equipment is yours.
- You build your own path.
Stop paying for something that will never be yours.
Apply nowHow it works
Simple. Transparent. No fine print.
- 1
Choose your machinery
New or used, with the dealer or seller you prefer.
- 2
Request your quote
Share the machine value and the term you want. Only 20% down required.
- 3
Send your documents
Bank statements, proof of address, valid ID and credit application.
- 4
Answer in <48 hours
We review your full file and give you a clear answer.
- 5
Sign your contract
If approved, we review the contract together — fixed payments and clear conditions.
- 6
Inspect the machinery
Before closing, make sure the equipment is in good condition.
- 7
Down payment & pickup
On pickup day, deposit your 20% down payment and take your equipment.
- 8
Get your insurance
Before taking the machinery, you need a policy that protects your investment.
Ready to start?
Apply nowTerms
Clear conditions from the start
Used machinery
- •Terms: 24 or 36 months
- •Down: 20%
New machinery
- •Terms: 24, 36, 48 or 60 months
- •Down: 20%
Amounts
- •From $5,000 USD
- •Up to $80,000 USD
Payments
- •Fixed monthly
- •Per personalized quote
Insurance
- •Required before pickup
Approval is subject to review of full file, documentation, payment capacity and applicable conditions.
Requirements
We don't ask for perfection. We ask for drive.
To evaluate your case we need to receive your full file. We can't give a formal answer with partial information.
Apply nowHave your documents ready and start your application.
Required documents
- Last 6 months of bank statements.
- Recent proof of address.
- Valid government ID.
- Lease and Work credit application.
- ITIN or SSN inside the application.
Insurance
Protect your machinery from day one
Your machine is your work tool and one of your biggest investments. That's why, before taking it, you need a policy that protects it.
It's not just a requirement. It's protecting what you're building.
We help you find the best option.
Total and partial theft.
Machinery breakdown.
Accident or collision damage.
Natural disaster damage.
Third-party liability.
Apply
Apply to get your machinery
Complete your application to start the process. Once we receive your full file we can review your case and give you an answer within 48 hours.
Before applying, have ready:
- ›Personal info
- ›Machinery info
- ›Approximate equipment value
- ›Dealer or seller
- ›Bank statements
- ›ID
- ›Proof of address
- ›ITIN or SSN, if applicable
FAQ
Frequently asked questions
Contact
Take the step today
If you're ready to grow with your own machinery, we're ready to help. Call us today or message us on WhatsApp. The machinery you need is one step away.
Lease and Work — Because working with the best machinery shouldn't cost you a fortune.