Lease & Finance Options

Commercial Equipment Financing / Leasing

EFA – Equipment Finance Agreement

24 months | 36 months | 48 months | 60 months

First and last payment in advance, 0 payments at the end

$1.00 Buy-out Lease Program

24 months | 36 months | 48 months | 60 months

First and last payment in advance, $1.00 purchase option at the end of the lease.

FMV Program

24 months | 36 months | 48 months | 60 months

First and last payment in advance, FMV purchase option at the end of the lease.

Contract Financing

The Provider must have a contract with an Investment Grade End User;

The contract must be structured to stipulate a minimum monthly payment from the Investment Grade End User to the Provider;

There must be a component of equipment needed to fulfill the contract – these are the most basic elements that must be present for a transaction to be successful.

Deferred Program

Payments would start in 30, 60, 90 days then it would go into:

24 months | 36 months | 48 months | 60 months

0 payments upfront, $1.00 Purchase option at the end of the lease.

Step Payments

Payments would start low and go higher or payments would start high and go lower.

$1.00 Purchase option at the end of the lease.

Seasonal Payments

0 payments during the winter or summer depending on the Industry.

$1.00 Purchase option at the end of the lease.

Municipal Equipment Financing / Leasing

Annual, Semi-Annual, Or Quarterly Payment Plans

Payments can be structured for “in arrears” or “in advance” based upon client need.

Deferred Program

Municipalities can defer payments up to 1 year.

Utility Revenue Bonds

For Municipalities that are generating revenues by services such water, renewable energy (wind, geothermal, gasification, etc.), cable television. Terms can be up to 20 years.

Master Lease

This program works well for computer equipment a Master Lease with four or five year term with a new schedule each year.

Note:

All municipal leases provide a “funding out” clause in the contracts, allowing a municipality that cannot appropriate funds to continue the lease to break their contract, by providing proof of such non-appropriation, and returning all equipment.

For larger transactions we will do longer terms

$1.00 Purchase option at the end of the lease for all options

Lease Programs

Why Lease?

  • Maintains working capital in your business
  • Conserves lines of credit
  • Simplifies bookkeeping
  • Allows 100% financing (unlike bank loans which often call for 20% down or more)
  • Enjoy the tax advantages of spendingpre-tax dollars instead of after tax profits

Buyout Options:

One Dollar Buyout: At the end of the lease, you have the option to purchase the equipment for $1.00.

Fair Market Value: When your lease ends, you have the option to purchase the equipment for its fair market value. For businesses that want a strong tax deduction and don’t anticipate purchasing the equipment at the end of the lease, this is the buyout to choose.

10% Buyout: Upon completion of this lease, you have the option to purchase the equipment for no more than 10% of the original equipment cost. This is a popular choice for businesses that want a strong tax deduction and anticipate purchasing the equipment at the end of the lease.

Leases can run from 24 to 60 months. There are a number of different issues to consider when selecting your lease. These options include tax benefits, cash flow requirements and buyout options. Your Account Manager can help you choose what is best for your company.

The Standard Lease usually requires the first and last payment up-front, with level monthly payments for the term of the lease. Terms typically range from 2 to 5 years.

The Deferred Lease is a popular choice for businesses acquiring income-producing equipment. If you choose this option you will have one up-front payment, then 90 days to use the equipment before your next payment is due.

The Step Lease works well for equipment acquisitions in excess of $50,000.00. Your payments start low and then “step-up” to a set, level payment for the remainder of the term. This allows you to acquire the equipment and integrate it into your operations without a significant impact on cash flow.

The Skip Lease is an exciting option for seasonal business. We can design a lease payment schedule that is only due on certain months of the year. This allows you to match your cash flow with your payment schedule. At the end of the Skip Lease you can choose from.

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