Leasing Improves Cash Flow

Leasing Can Help Generate Profits by Saving Money

Leasing is a method of renting land, buildings, equipment, etc. to another. A contract or instrument of conveying this property to another party for a specified period for specified compensation.

A variety of creativelease programs are available to small businesses In today's world of ever changing technologies, your company could waste money on new equipment every year or save money by starting a lease program through any one of our associate underwriters.

Businesses nationwide are taking advantage of the benefits of these programs.

Benefits Include:

1. Low Monthly Payments

2. Flexible Leasing Terms

3. Tax Savings

4. Latest Equipment

A wide variety of programs are available -- from to office machines and specialized industrial equipment leases. In the event a vendor cannot lease equipment that your company needs, the equipment can be purchased by one of our participating leassors then leased to you.

The vendor receives a lump sum payment, and your company will be able to enjoy the benefits of the the needed equipment.

80% of U.S. corporations lease some or all of their equipment needs.

Advantages

� 100% Financing -- Eliminate the need for a down payment. You pay only for the use of the asset, not for the ownership. You avoid tying up capital in assets. Your cash can be used to support working capital requirements for growth or maintain liquidity for seasonal, cyclical or investment needs.

� Alternate Source of Capital -- Your existing bank lines of credit, which are limited, are not impacted. Also, leasing is a less restrictive form of financing. Often leases are negotiated without personal guarantees or restrictive covenants.

� Off Balance Sheet Source of Funds -- You can improve ROE, ROA an many other financial ratios by utilizing leasing instead of borrowing.

� Tax Advantages -- You may avoid certain tax limitations. Operating lease payments are expensed and, as opposed to depreciation, do not contribute to Alternate Minimum Tax exposure. Leasing may also allow you to avoid mid-quarter depreciation penalties.

� Avoid Equipment Obsolescence -- You can avoid the risk of equipment that is no longer competitive or useful. The lessor assumes the risk.

� Low Acquisition Costs -- Capital requirement is low; usually one or two advance payments.

� Easy and Quick to Apply -- Unlike loans that can take weeks to process and require volumes of paperwork, your lease application is simple. For transaction under $75,000 simply complete the application form, and in most cases your lease will be approved within 24 hours.