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Recent Transactions Under $1 Million

Recent Transactions
 Over $1 Million

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Products Available

   Loans:

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Secured Loans:  Terms from three to seven years.  The interest rate can be either fixed or variable.  The interest rate can be locked through a specified time period or float with a market index.  Additionally, the monthly payment or the repayment term can be variable.

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Finance Leases:  Structured from three to seven years with  tax benefits of ownership for account of lessee.  Purchase options may vary from $1.00 to 20%.

   True Leases:

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Traditional:  Structured from three to ten years with tax benefits for account of lessor.  Purchase option price is fair market value (FMV) at lease termination.

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Synthetics and Hybrids:  Similar to traditional leases with the addition of either a predetermined early buyout option (EBO) or a maximum dollar limit or percent of original cost instead of fair market value.

   Sale and Leaseback:

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This can allow a company to convert depreciated equipment into working capital for future growth.

Both leases and loans can be structured as operating or capitalized obligations consistent with the FASB 13 guidelines for balance sheet accounting.

Financing commitments are typically negotiated prior to equipment delivery and acceptance.