Equipment Leasing

Types of Leases We Offer

• Application Only to $100,000 (no financials necessary).
• Middle market financing up to $500,000
• Large ticket over $500,000
• Tax and Non-Tax Lease Structures
• Wide variety of payment structures to fit any cash flow requirement

Approvals for application only in 24 hours from receipt of complete application. Middle market and large ticket usually take 3 to 5 business days from receipt of complete package. We provide terms from 36 to 84 months in term to repay with excellent rates. These programs are for companies established for two years or more.

Sale & Lease Back

Many companies need working capital for expansion but would prefer not to use their bank lines for working capital. We have a program where we can use 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 the payments are made you own the equipment again.

Startup Program

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

C and D Credits

Over the course of a business cycle, businesses may experience tough economic times which cause the business to suffer financially. Additionally, the owners may have 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.

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 the types of entities we finance is listed below:

• Federal government agencies
• Armed services
• State agencies
• Public schools
• Police departments
• Fire houses
• Libraries

The above list is only an example of what we can finance. We can finance any state or federally controlled entity.

Contact us so one of our finance specialists can discuss your specific needs and how we can arrange the financing your company requires.

Why Lease Equipment?

Leasing is the right choice!

Leasing is one of the fastest growing ways of acquiring equipment in business today. Surveys indicate that 80% of U.S. businesses lease 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 equipment lease payment will usually be lower than the payment required by other methods of financing. Since we offer a wide variety of payment structure options, we can meet almost any cash flow need. Equipment leasing does not require compensating balances, restrictions on accounts, large down payment or covenants.

No need to tie up capital

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

Lease your equipment - not your 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.

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 business equipment obsolescence

Technology is changing at a rapid pace. What meets your business needs today may be obsolete three 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.

Please contact us today for a free evaluation of your business equipment financing needs.