EQUIPMENT LEASING

Types of Leases We Offer

• Application up to $150K. No financial statements necessary.
• Middle market financing up to $500K
• Large ticket over $500K
• Little or no down payment
• Numerous payment structures

We can finance almost any type of business related equipment

Approvals for application only in 24 hours. Middle market and large ticket financing usually take 3-5 days.
Up to 84 months to repay with excellent rates. These programs are for companies that have been in
business for two plus years.

Sale & Lease Back

Many companies need working capital for expansion and do not want to use their bank lines for working
capital. We have a program that uses the equity in your existing equipment to give your company the
working capital it needs. We buy your equipment and lease it back to you. When all payments are made,
you own the equipment again.

Startup Program

Most financial institutions will not finance companies that are just starting. If your company has just started
or has been in business for only a short time (usually less than two years), we can help you grow by financing
the equipment you need to be successful.

B, C and D Credits

Many businesses have suffered financially in recent years. Additionally, the owners of these companies have
seriously damaged their personal credit. We have developed a “second chance” program to help these companies.
We can structure your financial needs to help you rebuild your company and possibly your credit.

Government and Municipal Leasing

We can provide lease financing to any government or municipal entity with guaranteed approval. The rate is
determined by the rating of the municipality or government agency.
A partial list of who we finance is listed below:

• Federal Government Agencies
• Armed Services
• State Agencies
• Public Schools
• Police Department
• Fire Houses
• Libraries

The above list is only an example of what we can finance. We can finance any state or federally controlled entity. 
Our finance specialists can discuss your specific needs and determine how we can arrange the financing your
company requires.

Why Lease?

Leasing is the right choice!

Leasing is one of the fastest growing vehicles of acquiring equipment in business today. Recent surveys found
that 80% of U.S. businesses, from Fortune 500 to the local family business, lease a portion of their equipment.
A growing business often faces the dilemma of limited cash flow and the need to add equipment. Leasing can
put the equipment to work for you with real cash flow advantages and without major capital investment.
We can lease virtually any type of equipment, including software and installation.

Low monthly payments

The monthly lease payment will usually be lower than the payment required by other methods of financing.

No need to tie up capital

Keep your business’ cash for future needs, unexpected expenses or working capital when revenues are low.

You can always lease equipment — you can’t lease money!

Most types of financing require down payments of up to 25%, whereas leasing covers 100% of the cost of the
equipment. Most leases require only one or two payments in advance. Get immediate use of the equipment with
minimal upfront cost.

Preserve existing lines of credit

Leasing has no impact on your bank credit lines. Protect your borrowing power for other business needs or opportunities.

Eliminate obsolescence

Technology is changing at a rapid fire pace. What meets your business’ needs today may be obsolete a few years
from now. Leasing allows you the flexibility to maintain a competitive edge by giving you today’s best technology
then allowing you to upgrade when the equipment has outlived its advantage.

Fixed payments through the term of the lease

Unlike bank lines of credit that usually have variable rates, lease payments are fixed no matter what happens in
the market. By choosing to lease you won’t be a victim of skyrocketing interest rates.

Significant tax and accounting advantages

Leasing eliminates the need for complicated depreciation schedules since lease payments are generally line-item
expenses on your P&L statement.  Also, since lease payments can usually be treated as a pre-tax business
expense you may even reduce your taxes. Paying cash for equipment automatically adds 30-40% to the cost
when you realize that cash = profits, and taxes are paid on profits. Leasing is the right choice! It minimizes
demands on cash flow, eliminates obsolescence, keeps your bank lines open, saves on taxes and shelters you
from the market.

For additional information, contact us at:

505-275-2244