Equipment Leasing

EQUIPMENT SPECIALS:  READ BELOW

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Are you short on cash, but need new equipment to grow? 

Lease what you need!

Equipment leasing lets you rent the equipment you need for a flat monthly rate for a certain length of time.  At the end of the lease, you may purchase the equipment for its fair market value or a fixed/predetermined price, continuing leasing, return the equipment or lease new equipment.

Businesses of all sizes lease equipment.  It is especially useful for startup businesses with no revenues.  Leasing can also finance the soft costs (such as installation and training services) associated with equipment purchases. 

Benefits of Equipment Leasing:

• Tax Treatment. The IRS does not consider an operating lease or a true lease to be a purchase, but rather a tax-deductible overhead expense.  Therefore, you can deduct the lease payments from your corporate income.

• Balance Sheet Management.  Because an operating lease is not considered a long-term debt or liability, it does not appear as debt on your financial statement, thus making you more attractive to traditional lenders when you need them.

• 100% Financing and Better Use of Limited Resources.  With leasing, there is very little money down - perhaps only the first and last month’s payment is due at the time of the lease.  Since a lease does not require a down payment, it is equivalent to 100% financing.  That means that you will have more money to invest in revenue-generating activities.

• Immediate Write-Off of the Dollars Spent.  Therefore, the equipment does not have to be depreciated over five to seven years.

• Flexibility.  As your business grows and your needs change, you can add or upgrade at any point during the lease term through add-on or master leases.  If you anticipate growth, be sure to negotiate that option when you structure your lease program.  You also have the option to include installation, maintenance and other services, if needed.

• Customized Solutions.  A variety of leasing products is available, allowing you to tailor a program to fit your month-to-month or year-to-year cash flow needs. You are able to customize a program to address your needs and requirements - cash flow, budget, transaction structure, cyclical fluctuations, etc.  Some leases allow you, for example, to miss one or more payment without a penalty, an important feature for seasonal businesses.

• Asset Management.  A lease provides the use of equipment for specific periods of time at fixed payments.  The lessor assumes and manages the risk of equipment ownership.

• Upgraded Technology.  If the nature of your industry demands that you have the latest technology, a short-term operating lease can help you get the equipment and keep your cash.  Your risk of getting caught with obsolete equipment is lower because you can upgrade or add equipment to meet your ever-changing needs.

• Speed.  Leasing can allow you to respond quickly to new opportunities with minimal documentation and red tape.  Most of the time we will approve your application within one hour and you can have your equipment very quickly.

• Lower Payments Than a Loan.

• Improved Cash Forecasting.  The lessee knows the amount and number of lease payments so they can accurately forecast the cash requirements for equipment.

• Flexible End of Term Options.  Return, renew or purchase.

• Tax Benefits. Leasers can pass the tax benefits of ownership on to the lessee in the form of lower monthly payments.  If you are in the Alternative Minimum Tax Bracket, at true lease will provide you with an attractive tax benefit.

• Improved Earnings.  Operating lease accounting provides a lower cost than a capital lease in the early years of a lease.

• Ease and Speed of Approval of Credit.  Approval of up to $100,000 without financial statements or tax returns if the applicant has been in business for at least 2 years, and we have programs is they are just starting out.  Typically a lease can be approved in 24 to 48 hours. 

As you might imagine, there are varying rates for different types of transactions.  Considerations might include:

• Credit strength of the applicant and any guarantors

• Size of the transaction

• Length of term of the lease

• Anticipated lease-end residual value

• Length of time in business

If you are interested in our Vendor Leasing Program, please visit Vendor Leasing Programs.

Start by completing the Profile below.  The attached form (not a binding obligation) is to assist us in obtaining preliminary information about your financing needs.  All information given is retained in the strictest confidence and will only be used by your Business Finance professional to evaluate your company's specific needs.  Upon receipt of your information, you will be contacted to answer any questions that you may have and to explain the services that may best suit your company.  Or for a “complimentary consultation” and to learn more about our financing programs that can keep your business in complete financial control, call 888-601-5777 today or email us at info@gatewaytocapital.com.