Equipment Leasing Forms Section:
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Business Financing Products
Equipment Financing, FMV Equipment Lease, Business Loans & Credit Lines
$1.00 Buyout (Capital Equipment Lease)
The most popular equipment leasing choice… this option is for those certain their equipment will retain its value over a 3-5 year term and plan to use it for a longer time. Construction, machine shop, industrial and manufacturing equipment are in this category. Therefore, the lessee plans to purchase the equipment at the end of the business financing term. When the contract ends, you simply purchase the equipment for a $1.00 buyout.
Fair Market Value Lease (FMV or Operating Equipment Lease)
This option is beneficial to those who finance equipment, which becomes obsolete quickly. Computers, copiers and electronic equipment fall into this category. This equipment lease is designed for customers who expect the value of their equipment to decrease quickly, or will want to upgrade at the end of the term. At the end of a FMV lease, there are three options: extend the term, return the equipment, or buy it at its fair market value which is usually 10%-20% of the original price. With this lease, you will have the lowest monthly payments of any business loan and you can usually write off 100% of your payments as an operating expense. Consult your accountant regarding how the taxation applies to your business.
10%-20% Purchase Option Equipment Financing
For those wanting flexibility to return the equipment or purchase it at the end of the term, but want to set a maximum buyout amount then this is the best structure for you. This equipment financing program, like the FMV, has a lower monthly payment amount but you have to budget for the Buyout if you intend to keep the equipment. This is similar to an commercial loan with a balloon payment at the end.
Equipment Financing and Equipment Leasing Vendor Programs
Offering equipment leasing and commercial loans will increase sales; providing your customers the option to finance your product makes it more attractive to the ones having cash flow issues and budget restrictions. Over 80% of all companies finance their equipment: Equipment leasing and commercial loans are expected to generate $250 billion of new equipment financing in 2012 in the United States. We will help and assist your sales staff in understanding how equipment financing and commercial lending can be used as a closing tool. We are looking for a win/win situation and by educating your staff on the merits of equipment leasing, both you and your customers will benefit.
Specialty Equipment Financing: Business Loans and Credit Lines
First U.S. Finance funds projects, which other equipment financing and business lending companies avoid. We finance projects that include soft costs like software, wiring, installation and training. When credit is solid, soft costs can exceed 70% of the total business financing project. We finance special projects through direct equipment financing, equipment leasing, business loans, asset-based and commercial loans and lines of credit. We offer a wide variety of programs to access capital. Our projects include solar systems, LED lighting-retrofits, leasehold improvements and custom equipment financing including all Green Technology hardware.
Equipment Financing | Equipment Loans | Equipment Leasing | Finance Blog 
