Equipment Financing & Leasing Services

Eliminate Obsolescence

Technology is changing at a rapid-fire 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 and then allowing you to upgrade when the equipment has outlived its advantage.

Fixed Payments through the Term

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. Remember the 80's when rates rose from 9% to over 20% in one year? That can't happen with leasing.

Low Monthly Payments

The monthly lease payment will usually be lower than the payment required by other methods of financing. Keep your business cash for future needs, unexpected expenses, or working capital when revenues are low.

You Can Always Lease Equipment

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

Significant Tax & Account Advantages

Leasing eliminates the need for complicated depreciation schedules since lease payments are generally line-item expenses on your P&L statement. 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 to 40% to the cost when you realize that cash equals 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.

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 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 and 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 just started in business or is 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.

Government & 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 whom we finance is listed below:

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

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 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 and when all the payments are made you own the equipment again.