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MONEY!
Create
More Of It
For
Your Business
Through
Equipment
Leasing.
Through
our equipment leasing division Business Owner Solutions, Inc.
we are uniquely experienced to assist our clients in financing
capital equipment with lease financing.
Equipment
acquisitions can be made basically 3 Ways…
1.
Using Working Capital to Buy Equipment.
This is a good alternative if your
supply of working capital is healthy and your cash flow can support
the reduction.
It’s also good if you don’t have a more productive use
for that cash, one that will generate profit for you, like
purchasing inventory, investing in manufacturing, sales capability,
or some other income generating activity.
2.
Borrowing From A Bank To Buy The Equipment.
This
may be a better alternative if the bank is flexible on the terms of
the loan. Terms…
-
Allowing
you to add more equipment to your loan as your business
grows…as Leasing does.
-
Allowing
you to make a smaller down payment than the usual 20% of the
equipment cost.
-
Allowing
you to include intangible costs like delivery, installation,
training, and/or sales tax in the loan, in addition to the
equipment cost…as Leasing does.
A
bank may also be better if you don’t mind reducing your credit
line. On the other
hand, the credit line may be more effectively used to cover
contingencies that arise, or to take advantage of some unique
profit-making opportunity.
Or,
3.
Invest in Your Business by Leasing Equipment
This
may be the best alternative. LEASING
gives you the ability to use your credit line and available cash to
invest in your business, rather than buying equipment.
Unlike
traditional forms of financing, LEASING is Flexible and creative.
Opportunity
to profit from both equipment and capital at the same time is just
one of the many benefits of leasing.
There
are so many good reasons for leasing, and different kinds of leases
to match each lessee. We
will match you with a plan that meets your needs.
Examples include, but are not limited to:
FMV
Lease
The
Leasing Company (Lessor) owns the equipment, but the equipment user
(Lessee) preserves the option to purchase or rent the equipment for
its Fair Market Value (FMV) at the end of the lease.
Purchase
Lease
A
lease contract is structured from 24 to 60 months (sometimes longer)
with an option to purchase the equipment at the end of the initial
lease term. Various option amounts will be considered with the usual
being 10% of the original equipment cost.
Sales/Leaseback
Dollars
locked in equipment already purchased are freed up for working
capital, investment, or other important use.
The Leasing Company buys your equipment for a mutually agreed
upon price, and leases it back to you.
You maintain USE of the equipment and have the advantage of
the released funds and possible new write-off.
Municipal
Lease
Available
for the financing needs of the state agency, city, county, school
district, or other political sub-divisions with tax-exempt status.
Lease plans include non-appropriations clauses, and can be
tailored to budget requirements.
To
Find Some Benefits, Ask Yourself these Questions:
-
Do I want to protect against technological obsolescence?
-
What tax benefits do I need; all, some, or none?
-
Do I need to own the equipment or just use the equipment?
-
Do I want to leave my existing bank lines intact?
-
I need the equipment, but I didn’t budget for it.
How can I get it now?
-
Do I want the comfort of knowing that I can add to my system,
or upgrade the hardware and software, as my needs change?
You
may know all the answers. If
so, you are fortunate.
If
not, let’s take a look at what the lease alternative can do for
you.
By
adding the financial advantages of leasing to the operational
benefits of the proposed equipment, you’ll be making a
cost-effective business decision.
We
can fit the equipment and lease plan to your specific functional and
financial needs.
But
let’s do it soon.
After
all. It’s only
MONEY!
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