- Advantages of ILC
- Advantages of Leasing
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Advantages of ILC to Customers
Investment Leasing Company ("ILC") is a bank authorized independent leasing agency founded in 1986 in San Diego, California.
ILC arranges business equipment, software, and vehicle leasing and financing from Coast to Coast. The primary focus is on leasing and financing to healthcare professionals in addition to all other commercial enterprises that use high technology, digital, x-ray, and other state-of-the-art equipment and software.
ILC funds most of our leases with major banks, thrift & loans, financial divisions of major companies, and other institutional lenders.
We receive wholesale pricing from our lenders and present a quotation from a number of lenders at the same time so that our customers receive the lowest payments available that are commensurate with their credit rating.
Our marketing efforts are conducted by highly trained leasing agent professionals that are located primarily in the greater metropolitan area of San Diego County California, and throughout the United States. ILC is currently seeking highly motivated college graduates of demonstrated high character to fill newly created nationwide leasing agent positions.
ILC conducts it's business with the use of state of the art high technology that links our Corporate headquarters with remote leasing agents, remote credit processors, lender banks, equipment vendors and our customers. ILC designed and had built a contact management software system in 1988 that has been updated continuously ever since. Automation for the Company now is completely web-based so all departments, functions, document preparation, and communication systems are completely scalable for all departments with virtually no limits on capacity.
ILC is the originator of the "Truth In Equipment Leasing 42-Item Checklist"™ developed over the past 25 years of serving the needs of customers and vendors.
Our goal is 100% repeat business from our customers, vendors, and lenders.
Lease or Buy Decision
There are many factors for a company to consider when making the lease or buy decision.
- Frees working capital for more productive uses since leasing provides up to 100% financing.
- May cost less than other financing alternatives.
- May provide fax tax write-off.
- Avoids restrictions often contained in loan agreements.
- Permits 100% financing (including tax, freight and installation) vs. 75-80% through other methods.
- May not appear as a liability on the lessee's balance sheet thus providing "off-balance sheet" financing.
- Does not disturb present bank credit lines.
- Provides a hedge against inflation (equipment is paid for in "cheaper" dollars).
- Is more flexible in meeting the lessee’s needs than conventional financing (longer terms, etc.).
- Does not dilute ownership or control (as would a sales of common stock or bringing in a new partner to provide necessary funds).
- Provide a new credit source.
- Book earnings may be higher with a lease.
- Provides fixed rate financing.
- Overcomes capital budget restrictions (lease payments may be expensed in the operating budget).
- May be a hedge against obsolescence.
Programs / Advantages with Investment Leasing Company
- Our exclusive instant funding guarantee assures you that your check will be ready instantly upon completion of the paperwork and our verifying delivery.
- Fast approvals - within 8 business hours upon receipt of sufficient facts.
- Longer office hours - from 8am-6pm, Monday thru Friday.
- Coast to coast service.
- Fast funding - wire transfer of funds, or pick up your check upon our receipt of paperwork.
- Only one payment in advance - an option available on all lease plans, except security deposits plan.
- Early payoff of leases based upon simple interest, not rule of 78 upon written agreement.
- Upgrading is easy with our 1 step upgrade program, which includes a 10% discount on old lease.
- Equipment substitution program to help you honor your warranty.
- Our add-on feature easily & quickly provides lessee with more equipment.
- Assumption of leases can be arranged to help you increase sales.
- Municipal leasing program for cities, counties, and state.
- Non-appropriation program for governmental agencies.
- Non-profit organization programs for civic, religious & other organizations.
- New business leasing special "rental pool building" program for our steady customers.
- Special "zero interest" program for our steady customers.
- Sale lease back program leasing to individuals for business purposes program.
- Expiration notices sent to you 90 days prior to the termination of a lease booked through your company.
- Leasing of computer software & hardware.
- No recourse to equipment dealer - we take the risk.
- Creative lease terms - lease payment can be made semi-monthly, quarterly, annually, terms can be 1, 2, 3, 4, 5, 84.
- Instant approvals of many local businesses that we know.
- Automatic line of credit program
- Used equipment leasing.
- Multiple equipment type leasing available.
- Partial funding and progress payments.
- Automatic fund transfer of your customer's payment will give our customer a 1% discount of his payment.
- Instant communication - 15-minute return call time.
Here are some of the other programs & advantages:
- Fast approvals.
- Fast funding.
- Local office to serve you.
- Phone in on local numbers.
- Long office hours: 8-6 Monday thru Friday.
- No payments in advance upon request.
- One payment in advance option.
- Municipal leasing program.
- Non-profit company leasing program.
- New business leasing.
- Special "rental pool building" program.
- Special "zero interest" program.
- Leasing to individuals for business purposes.
- Leasing to individuals for business purposes.
- No recourse to equipment dealer.
- Assumption of leases.
- Upgrading program.
- Substitution of equipment program.
- New & used equipment leasing.
- Multiple equipment type leasing "packages".
- 7-month program.
- Instant communication with your representative.
- Automatic line of credit approval program.
- Partial finding & progress payment plan.
- Automatic fund transfer service.
- Very low rate programs for special circumstances and leases over $25,000.
- Creative leasing terms & programs tailored to specific needs - call to discuss!