equipment leasing
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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November 4, 2011
November 4, 2011
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There are some key items which underwriters target and look at; just because someone has a great credit score or been in business for 10 years doesn’t mean approvals will be automatic. Business owners and managers are sometimes perplexed regarding why they didn’t get the approval they “thought” they deserved. […]
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October 21, 2011
October 21, 2011
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As a business owner, partner or equipment vendor, you try to find goodways to finance your business or help your clients finance your products. With this goal in mind, you have to consider business equipment lease financing. When compared to business loans, applying for equipment lease financing is generally easier, […]
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October 15, 2011
October 15, 2011
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Vendors that automatically offer a financing option for their products have higher overall sales. This is a fact. The automotive industry has been a leader in offering captive financing to sell more and higher priced vehicles, than they otherwise would have, to their clients. When the sales manager sits down […]
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September 22, 2011
September 22, 2011
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You have made it through the toughest 3-4 years of business; you have poured your energy, creativity and money into making your company sustain itself and grow. The start-up phase for any business is the most volatile time; lenders and creditors turn away from you when you feel like you […]
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September 8, 2011
September 8, 2011
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Zero-percent financing! Instant approvals with no credit check! Poorcredit? Still get great rates! There are ads online and in print which make no sense and are in fact clearly delusional or intentionally misleading; making statements and offers so far out of reality that how can they be taken seriously? Bait-and-switch […]
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August 3, 2011
August 3, 2011
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Lease/Purchase financing is designed to complement, not replace, bond financing for government agencies. Leases afford the opportunity to acquire equipment during the current fiscal year instead of having to wait until the next budgetary cycle. For vendors promoting government projects, it offers the lowest rates in the industry commonly in […]
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July 22, 2011
July 22, 2011
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Asset Based Lenders (“ABL Lenders”) look to tangible collateral to support their business loans. They are more flexible, regarding cash flow and other performance criteria, than traditional lenders and will accept some losses and higher debt leverage than a bank. ABL lenders primarily focus on lending against real estate, capital […]
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July 8, 2011
July 8, 2011
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One of the reasons businesses shift from sole proprietorship to Limited Liability Company (LLC) or Corporation is to “limit” their exposure to liability and protect the owner’s personal assets. A great strategy overall but one which may not apply to newly formed entities or tightly held companies with marginal financial […]
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June 24, 2011
June 24, 2011
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The financial markets and financing in general has changed because of the recession. Doing ‘business as usual’ has tightened up quite a bit and understanding the playing field will help get your financing requests completed more quickly and dampen some of the frustrations which can occur during the process. There […]
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