business equipment loans
April 6, 2013
April 6, 2013
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There are three key components to getting your finance request approved; cash, credit and collateral. This holds true whether getting an equipment loan or lease, leasing a car or financing a new home. The three components all play an important role and understanding them will help clarify the finance process. […]
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February 5, 2013
February 5, 2013
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When was the last time you purchased a car without sitting down with the finance manager to work out the details? Or went shopping for furniture without being presented with extended payment terms? Several industries have made an art of combining the “sales close” with a neatly packaged finance agreement […]
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January 10, 2013
January 10, 2013
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We have access to more information than we ever have at our fingertips. A library full of encyclopedias is now dwarfed with the material we can all download on the internet. It allows us to be much more informed and knowledgeable but does it make us experts in any specific […]
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November 10, 2012
November 10, 2012
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Many companies have been affected by the fluctuations in the economy the last couple of years. Sales would surge one month, completely go flat the next and it has been difficult for many of us to manage cash flow and debt. Company credit has taken a hit and damage has […]
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October 22, 2012
October 22, 2012
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This year is racing away quickly and I think for most of us, we’re not too sad to see it pass. The economy in many markets has had an upbeat tick, which we’re all grateful for but in other areas, including employment rates, it could be better. The goal for […]
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September 22, 2012
September 22, 2012
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A Master Lease is a program which is simple to set up yet yields big benefits to the borrower. A customer which plans to make several equipment purchases throughout the year will benefit by having them approved under one Master Lease as opposed to taking out separate individual leases for […]
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August 20, 2012
August 20, 2012
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Personal credit score for small companies and businesses is a key consideration to the types of loans and leases you have access to. Other things being equal, the higher your score, the lower the interest rate you will pay on everything. Remember, lenders often won’t know what a great person […]
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July 16, 2012
July 16, 2012
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What is Factoring? It is the purchase of invoices for cash to provide working capital to the seller of that receivable. Currently, factoring volume exceeds $200 billion in the United States. Unlike collateral lenders, Factors are providing both liquidity and credit services to their clients. Factors generally earn a return […]
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June 21, 2012
June 21, 2012
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Equipment companies compete against each other in a variety of areas; price, product line and brand recognition are a few. Having recognition in your market is critical to getting new business and helps previous clients to come back; the bottom line is the more you can get your name out […]
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June 4, 2012
June 4, 2012
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CASH, CREDIT & COLLATERAL A variety of factors are considered when a company’s credit is being reviewed for potential finance approval but 3 main areas consistently pop up as the most important. Cash Flow – The first key to receiving a lease or finance approval is positive cash flow. Most […]
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May 20, 2011
May 20, 2011
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The great majority of municipalities are working hard on their new fiscal budgets and are ready for another year of serving their public. Nationwide, all of the cities, counties, and various types of districts are facing reduced revenues thus the need to control their expenses and maintain their capital reserves […]
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April 16, 2011
April 16, 2011
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Equipment financing is still the best option when buying equipment for companies and small businesses. It protects the working capital you have in the bank and also protects your bank line from becoming depleted. Why is this so important? The number one reason for businesses, which are less than five […]
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April 6, 2011
April 6, 2011
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Why do some loans or finance applications stall during the underwriting phase? Aren’t underwriters interested in getting projects financed as quickly as possible? Yes and no. When a customer decides that financing their project or piece of equipment is a good alternative to paying cash, several critical things have to […]
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March 26, 2011
March 26, 2011
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Investing in your equipment this year can be a smart move. This is especially true since many business owners and manufacturers have delayed and put-off replacing old equipment the last couple years. There are 2 great reasons to buy now. The first good reason to buy now is Bonus Depreciation. […]
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March 6, 2011
March 6, 2011
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That’s always the first question asked when dealing with financing anything whether it’s your home, a new car, furniture or business equipment and machinery. How much is it going to cost me, of my hard earned dollars, to get what I want or need? Now let’s re-focus it on business […]
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February 25, 2011
February 25, 2011
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CIT Group, a giant small business lender, filed for bankruptcy in 2010 which will cost the taxpayer over $2 billion in bailout funds. CIT’s bankruptcy is the fifth largest in U.S. history, carrying over $71 billion in assets. How are downfalls like this changing the lending-financial markets? First U.S. Finance […]
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February 9, 2011
February 9, 2011
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There are three main types of business equipment finance providers you can turn to: brokers, captive leasing agents, or independent lenders. BROKER – Much like an insurance broker or mortgage broker, an equipment finance broker acts as an intermediary. The broker will take your credit application to the specific lenders […]
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January 19, 2011
January 19, 2011
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This year is off to a good start for most of us. The economy in many markets has had an upbeat tick, which we’re all grateful for but in other areas, including employment rates, it could be better. The goal for all businesses and sales professionals is still to make […]
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December 29, 2010
December 29, 2010
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During a recent meeting with a sales manager, the topic came up of why they would use an equipment finance broker, instead of finding a direct source for their company’s leasing and financing needs. I told them that option was certainly available but offered a few points to carefully consider. […]
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