Choices of contract types to fit your needs:

Equipment Finance Agreements (EFA)
An Equipment Finance Agreement (EFA) is written much like a standard loan.  An EFA allows you to depreciate your equipment over its useful life (See MACRS Schedule).  An EFA allows you to take advantage of the IRS’s Section 179 depreciation schedule. *

• No affect on your personal credit unless you default
• Doesn’t affect future personal borrowings by impacting your debt service on your CBR
  

Leases ($1.00; 10%; or Fair Market Value)
Capital Lease – Most commonly termed the $1.00 buyout lease, it allows you to pay for the equipment over the lease term.  At the end of the contract, you’ll own the equipment for $1.00. *

Operating Lease – 10% or Fair Market Value residual deals offer a lower monthly payment stream in exchange for a residual due at the end of your contract.  The 10% residual lease is a set residual due at the end of your contract of 10% of the amount that you borrow.  The Fair Market Value (FMV) residual is due after your final monthly payment and is based on the actual value of that equipment at the end of the term. *

• No affect on your personal credit unless you default
• Won’t affect your business or personal Debt/Income ratio
• Lowest monthly payment option for your payment stream

*As always, please talk to your tax professional to see how they want you to account for all the options above

Flexible Finance Options  (On Approved Credit)
$90/90 Program
An exclusive program created by Capital Partners, LLC that allows for $90 due at signing followed by $90 monthly payments for the first 90 days of your contract.  This program allows for little out of pocket and a generous 90+ days to make money with your equipment prior to making your full monthly payments

Seasonal and Skip Payment Options
Set your payment schedule to fit your cash flow seasons.  You can chose from seasonal, semi-annual, annual, quarterly, or some other payment schedule which would best meet your cash flow needs.

7 X $100
This unique program only requires $100 down and $100 monthly payments for the first 6 months.  This option is popular for those business owners that really want to get their equipment working before their full monthly payment begins.