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 Healthcare working capital loans now available
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LEASING
ADVANTAGES
BECAUSE PAYMENTS ARE LOWER WITH LEASING, CUSTOMERS CAN
AFFORD HIGHER QUALITY EQUIPMENT, SOFTWARE, VEHICLES. |
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5 OF THE BEST REASONS TO LEASE RATHER THAN PAY CASH
1. |
USE of the new equipment, software, and
vehicles NOW rather than wait for months or years. a. Income increase from
new equipment or software being put to use
b. Time savings on salaries and enabling you to complete more orders in less
time
c. Compete by having state of the art equipment & software
d. Work is much easier and enjoyable- just imagine your business without any
labor-saving items!!!
e. Ownership at the end of the lease with $1, 10% residual, or other options
f. Lease almost anything that is not real estate; equipment, software, vehicles,
furniture, fork lifts,
almost any type of equipment for health care, business, industry. |
2. |
CASH IN THE BANK provides your company
with security, flexibility & much more! a. Cash reserves are essential
to handle surprises
b. Financial ratios are improved which is essential for getting &
maintaining bank lines
c. Earn cash discounts of 2% or more for paying your suppliers fast with the
cash you have!
d. Money in the bank is just great for all the many reasons you can imagine! |
3. |
CASH FLOW IS IMPROVED with great
standard, special flex-plan, or other arrangements a. Cash position is better with
leasing continuously through out the life of the lease!
a. Monthly payments are low and can even be almost eliminated during certain
periods
b. Our rates are great and we have over 12 lenders to shop for the best terms
c. Pay as you go with convenient, low payments.
d. Paying cash costs you 30% more (30% tax bracket) due to buying with after tax
dollars!
(ex.: To buy $10k in software from earnings, you must earn $13k, AND PAY $3K IN TAX!)
e. A lease may cost you no more than paying cash and even less!
(ex.: $10k in software on a
3- year lease is about $361/month, totaling $13,000 you need to earn to pay for it, the
same
amount as if you had paid cash but with further advantages; You pay over 36 months with
tomorrow’s cheaper dollars! You could even pay $345/mo totaling $12,420 (with
xlnt. credit).
f. Same IRS Section 179 tax break as with cash! (ex.:$3k in tax savings on $10k
lease (30% bracket)) |
4. |
KEEP BANK LINES OPEN for working
capital needs rather than use up on equipment a. Lending limits by your corporate
bank for any one corporate borrower should not be used up
on items you could lease from us with virtually no limits on borrowing! Use your bank
for
working capital, accounts receivable financing, real estate and use us for equipment
& software. |
5. |
*TAX, ACCOUNTING, OWNERSHIP BENEFITS with
leasing *Consult your accountant a. 100% write off of the monthly expense is one
of our options
b. Balance sheet advantages since leased equipment may not be listed as a
liability (or asset)
c. IRS Section 179 $100,000/year tax write off is available for leased
equipment, software, &
vehicles and in the 30% tax bracket could save you $30,000/year in less tax payments |
Additional Benefits:
 | A FAST GROWING ALTERNATIVE TO EQUIPMENT FINANCING: ACCORDING
TO A RECENT INDUSTRY SURVEY, APPROXIMATELY 80% OF ALL U.S. FIRMS
CURRENTLY LEASE EQUIPMENT FOR USE IN THEIR BUSINESS! ALMOST 30% OF ANNUAL U.S.
EQUIPMENT ACQUISITIONS ARE THROUGH LEASING. |
| THE POWER OF LEASING EQUALS SELLING POWER FOR YOU |
| A LEASE IS BETTER THAN A SALE. WHEN YOUR CUSTOMERS LEASE EQUIPMENT, YOU GET
PAID PROMPTLY AND IN FULL. WHEN YOU OFFER LEASING, YOU GAIN EXTRA SELLING POWER. |
| LOW LEASE PAYMENTS ALLOW CUSTOMERS TO BUY BETTER QUALITY AND MORE OF IT. |
| LEASE CUSTOMERS ARE LESS CONCERNED WITH DISCOUNTED PRICING |
| LEASE CUSTOMERS BECOME POTENTIAL REPEAT CUSTOMERS AT THE END OF THE LEASE
TERM. LEASING CAN BE THE DECIDING FACTOR, ESPECIALLY FOR CUSTOMERS WITH LIMITED
OPTIONS FOR FINANCING. BY OFFERING LEASING, YOU CAN SOLVE THEIR PROBLEM-- AND SAVE
THE SALE. |
| LEASING MAKES CLOSING EASIER. FOR YOU, THE PAPERWORK BEGINS AND ENDS WITH A
PHONE CALL OR WRITTEN APPLICATION TO YOUR LEASING COMPANY, WHICH HANDLES ALL THE
DETAILS. YOUR ONLY JOB IS TO SEE THAT YOUR CUSTOMERS GET THE EQUIPMENT THEY NEED. |
| WHO SHOULD YOU LEASE WITH? IT PAYS TO RUN WITH THE BEST! WITH
SO MUCH TO GAIN AND NOTHING TO RISK BY OFFERING LEASING, THE QUESTION IS NOT
"SHOULD WE OFFER IT?" BUT RATHER "WHO TO WORK WITH?" |
| TO MAKE LEASING WORK ITS HARDEST FOR YOU, A GOOD LEASING COMPANY SHOULD SUPPORT
YOU WITH THESE ESSENTIAL SERVICES. |
| PROGRAM ASSORTMENT--- A VARIETY OF LEASING PROGRAMS AT
COMPETITIVE RATES TO SATISFY THE NEEDS OF ALL YOUR CUSTOMERS. |
| SERVICE TO YOU-- QUICK, ACCURATE AND CONSISTENT SERVICE
IN HANDLING YOUR CUSTOMERS' APPLICATIONS AND IN GETTING THE FUNDS INTO YOUR HANDS. |
| SERVICE TO YOUR CUSTOMER-- YOUR CUSTOMER'S OPINION OF
YOUR LEASING COMPANY REFLECTS ON YOU. YOU NEED TO BE FULLY CONFIDENT THAT THE
SERVICE TO YOUR CUSTOMER WILL BE PROMPT, COURTEOUS, PROFESSIONAL AND ALWAYS AVAILABLE
THROUGH THE LIFE OF THE LEASE AGREEMENT. |
| FLEXIBILITY-- THE RULES OF CONVENTIONAL FINANCING OFTEN
FAIL TO RECOGNIZE A GOOD CREDIT RISK. YOUR LEASING COMPANY SHOULD BE ABLE TO LOOK AT
THE ENTIRE PICTURE, TAKING INTO ACCOUNT SUCH THINGS AS EACH CUSTOMER'S BUSINESS CYCLE AND
CASH FLOW. A GOOD LEASING COMPANY DOES EVERYTHING POSSIBLE TO MAKE THE AGREEMENT
WORK, RESULTING IN A SALE FOR YOU. |
LEASING
A NON-CANCELABLE CONTRACT
EXTENDING OVER A FIXED TERM.
ADVANTAGES
*100%FINANCING
*CONSERVES CAPITAL
* CAN LESSEN TAX LIABILITY
* PRESERVES BANK LINES
* FLEXIBLE TERMS
* HEDGE AGAINST INFLATION
* OBSOLESCENCE PROTECTION
* FIXED TERMS & PAYMENTS
* FULL USE WITHOUT
OWNERSHIP
* CREATES NEW CREDIT SOURCE
* EASY ADD-ON TRADE UP
* BUILDS CUSTOMER RELATIONSHIP
DISADVANTAGES
* NON-CANCELABLE AGREEMENT,
NOT JUST A MONTH TO MONTH RENTAL AGREEMENT
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BANK LOAN
PRE-PAID IN REGULAR
INSTALLMENTS
ADVANTAGES
DIRECT OWNERSHIP
* DEPRECIATION
* APPROPRIATE WHEN BANK LINES
REMAIN UNTAPPED
* OR THERE IS A CONVENIENT
REQUIREMENT
DISADVANTAGES
* CAPITALIZES EQUIPMENT
* RELATIVELY SHORT TERM
* EXTENSIVE DOCUMENTATION
* CONVENIENT RESTRICTIONS
* EXHAUST CREDIT LINES
* NON-FINANCABLE CHARGES
* NO OBSOLESCENCE PROTECTION
* MAY REQUIRE COMPENSATING
BALANCES, DOWN PAYMENTS, ORIGINATION FEES. |
CASH PURCHASES
USING WORKING CAPITAL FOR
ACQUISITIONS
ADVANTAGES
*NO FINANCE CHARGES
* DIRECT OWNERSHIP
* DEPRECIATION
* APPROPRIATE WHEN LACKING INVESTMENT
ALTERNATIVES FOR EXCESS CASH, OR ANNUAL DEPRECIATION EXPENSE EXCEEDS ANNUAL CAPITAL
EXPENDITURES.
DISADVANTAGES
* ATTACKS CASH RESERVES
* NEGATES TIME VALUE OF MONEY
* REDUCES INVESTMENT
* REDUCES INVESTMENT LEVERAGES
* NO HEDGE AGAINST INFLATION
* NO OBSOLESCENCE PROTECTION
* CREATES PRICE SHOPPERS
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