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Programs & Services

Standard Lease

For traditionalists, the lease payments can range from 24 to 72 months.  This transaction can be structured so the client takes ownership of the equipment after the loan term.  End-of-term lease options we offer are $1.00 buyout (Capital Lease), 10% buyout (10% PUT), and Fair Market Value (FMV or Tax Lease).

Master Lease

Our most popular lease option.  This type of transaction should be utilized when either several pieces of equipment are being purchased at different times, or to lock in a low fixed rate and when the appropriate equipment is located, the funds are immediately available.  Being pre-approved can aid in the price negotiations between your company and the prospective vendor.

$0 Down

Most equipment loans and leases require a first and last month’s payment prior to commencement. We have zero-down programs for our creditworthy clients.

Seasonal Payments

If your company is like most, you experience lower revenues during a certain time of the year.  This payment structure will allow for payments to decrease as low as $100 per month during these slow months.  This program is designed to help your company’s cash flow and still acquire the necessary equipment needed to maintain your company’s productivity.

Equipment Loan

An EFA is an installment loan used to purchase equipment like it's a sales contract. The term of the loan is variable, typically at four or five years, and can be paid off at any time without a prepayment penalty. For additional leasing and financing options, please see our programs list.

High Limit App-Only 

Our unique advantage lies in our flexible financing options. With application-only limits of up to $350,000 on most equipment and up to $500,000 on select categories like Machine Tools, Packaging, Food Processing, Woodworking, and Plastics Equipment, we can fund up to $500,000 without tax returns. 

90 Day Deferred Payment

Your company can benefit from a 90-day window before the first payment is due.  This payment schedule is often used when the purchased equipment has a learning or training process before maximum revenues can be reached.

Working Capital

Companies need money for day-to-day operations, payroll, leasehold improvements, marketing, paying off existing debt, consolidating debt, or any other use to improve your business’s cash flow.

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