>>SOLUTIONS

Equipment Leasing

Leasing is a simple agreement between the leasing company (lessor) and the user (lessee) of the equipment. The agreement covers the use of the equipment for a monthly payment (rental), which can be structured to meet a company's cash flow needs. It also gives the customer the option to purchase the equipment for some price, at some point during the term or at the end of the lease.

Sales-Leaseback arrangements allow your company to leverage equipment you already own into cash. By selling your unencumbered assets to a leasing company and then leasing them back, you are able to enjoy an infusion of cash with manageable monthly lease payments.

Leasing Highlights:

	Finance up to 100% of new equipment purchases
	Sales-Leaseback accommodation
	2- to 10-year terms
	Fair Market Value, $1.00, 10% buy-out leases
	Up to 80% of liquidated valuation on used equipment
	Flexible payment terms (delayed payments and seasonal payments are available)
	Credit Application is all that is required in most cases for leases up to $75,000
	Higher amounts may require Corporate and/or Personal Financial Statements and Tax Returns (lenders may also require additional information)
	Quick approval in most cases

Some of the benefits of leasing include:

	100 percent financing allows you to allocate cash resources to revenue-producing activities
	Fixed rate of interest, with fixed or customized payment plans that address your cash flow, budget, and business cycle (deferred payments, seasonal payments, balloon payments, quarterly payments, step up and step down payments)
	Flexible end of term options include returning the equipment, renewing the lease, or purchasing the equipment
	Accounting treatment of operating leases may enhance your balance sheet and allow you to preserve your borrowing availability with your bank and other creditors
	No additional collateral is required (the leased equipment is usually adequate security)
	Tax benefits (we refer you to your accounting and tax consultant to determine classification and treatment of any equipment leases)
	Lessor takes the risks and uncertainties arising from equipment obsolescence and devaluation
	Gives the business owner the ability to update equipment and stay on the cutting edge of technology

The types of equipment we help finance include:

	Audio Visual
	Auto Test & Repair
	Computer Related (hardware & software)
	Construction (all types)
	Dry Cleaning & Laundry
	Food Distribution & Processing
	Health & Fitness
	Hospitality
	Laboratory
	Lifts and Cranes
	Manufacturing (light to heavy)
	Medical & Dental
	Office Equipment
	Printing
	Restaurant furniture, fixtures & equipment
	Retail furniture, fixtures & equipment
	Software
	Telecommunication

© 2003 Inspired Financial Solutions