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Allocating Payments over Time is the SMART Way of Acquiring Equipment and Software!

Leasing equipment can help make your business more flexible and competitive, as well as more profitable. James Capital lease financing experts offer custom service, flexible terms and affordable options.

Benefits of Commercial Equipment/Software Leasing

Why Lease?

Nearly 80% of U.S. businesses lease equipment, and more than 30% of capital equipment is acquired through lease financing. Vehicle and equipment leasing delivers these key benefits:

  • Increase monthly cash flow with low fixed-rate financing instead of one large payment
  • Capital saved on purchasing equipment enables capital to be used for payroll and vendors
  • Gain potential tax deductions (ask your tax advisor for details)
  • Match timing of payments to earning of revenues
  • Lease items that depreciate in value and own those that appreciate in value

 

Commercial Equipment Lease Types

Below are the various end of lease options to choose from. The choice you make will determine your payment size, what happens to the equipment at the end of the lease, your annual business taxes and ultimately your cash flows. Your choices are:

Fair Market Value (aka FMV Lease)

  • Most widely used lease option
  • Offers lowest monthly payment of all lease types
  • Generally provides  90 to 100% financing
  • Offers tax and balance sheet advantages (consult your tax advisor)
  • Flexible end-of-term lease

 

Fixed Price Purchase Option (aka FPPO)

  • Generally the same terms and conditions as the FMV
  • May have slightly higher monthly payments than the FMV lease but lower than a Capital Lease
  • Generally provides  90 to 100% financing
  • Flexible end-of-term options
  • Purchase equipment for the preset purchase price of 10% of the original equipment cost
  • Continue to pay month-to-month until decision is reached
  • Return the equipment

 

$1.00 Purchase Option (aka Capital Lease)

  • Generally provides  90 to 100% financing
  • Defined path-to-equipment ownership
  • May be able to deduct all or part of your purchase under section 179 of the Internal Revenue Code (consult your tax advisor)

 

Just making an equipment financing decision without considering all the cash flow and tax implications of leasing could prove to be counterproductive to your financial position. Let James Capital help you determine the most cost-effective equipment lease structure for your business or organization.  Call us toll free at 855.585.7755 to discover your funding options.

Types of Equipment

Finance or lease the equipment your business requires to stay competitive and profitable. Here’s just a sample of what you can finance or lease to own:

  • Construction
  • Industrial
  • Food processing
  • Manufacturing
  • Medical and dental
  • Software
  • Trucks and transportation
  • Technology
  • Warehousing
  • Virtually any other hard asset or software can be financed through our resources!

 

Why Use James Capital?

James Capital, LLC provides a range of commercial equipment leasing options to improve your bottom line, up to 100 percent financing. Through our network of underwriters, we have the capacity to finance many types of new and used equipment and computer software purchases of small firms with the best credit to start-ups, credit challenged firms as well as investment grade companies.  We also have the ability to finance municipalities as well as cross border transactions.  By using James Capital, you get ACCESS to more money to purchase more equipment, software and services.  Try the James Capital difference and reduce your cash flow concerns.

Discover your funding options by calling us toll free at 855.585.7755. Our leasing specialists are ready to help.