Equipment Leasing Options

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 A Business Equipment Financing Line of Credit provides the benefits of our lease products, preserves low cost of funds, and allows you to space equipment acquisitions over time. Your funding can be committed for up to 12 months in advance with periodic takedowns (which can be matched to the equipment’s expected utilization time). You can even combine multiple invoices into a single advance or capital equipment financing agreement. 

Capital Leases for equipment leasing and finance mimics traditional loan purchases as it effectively captures the ownership of the asset with exclusive right to use and purchase options but also offers 100% financing: conserving cash up front for other projects with higher ROI potential. If long-term equipment ownership is your goal, then a capital lease for equipment lease financing with a buyout purchase option is an excellent choice. Payments are fixed and as the equipment owner, you can depreciate the equipment and even take advantage of Section 179 incentives and Bonus Depreciation.

Captial Leases are a good option for financing equipment with a long useful life (such as yellow iron, manufacturing machinery, warehousing and racking, etc.) as the equipment may be depreciated on your balance sheet and you may be able to deduct the interest expenses from your taxes.

True Tax Leases have lower up-front costs, lower monthly payments, and multiple tax advantages. A True Tax Lease can finance up to 100% of the cost of the equipment including “soft costs” (transportation, delivery, installation, and other deferred costs). The payment on a True Tax Lease is usually lower than a Non-Tax Lease (which preserves cash flow) and also allows the business to deduct qualifying lease payments*.

* Be sure to consult your tax and legal advisers to determine the most tax-beneficial lease for your specific situation.

An Equipment Finance Agreement (EFA) is treated as a loan where the borrower is the title holder and Lender is the lien holder on the financed equipment. An EFA has 3 distinct advantages over traditional bank loans:

1. EFA is secured only by the specific equipment being financed or leased NOT all your present and future assets (unlike most bank loans)
2. Most bank loans are not fixed rate but tied to market rates that may go up over the term of the loan
3. Many bank loans contain restrictive covenants that can inhibit your ability to borrow future funds when needed

A terminal rental adjustment clause lease (TRAC) combines all the advantages of leasing while retaining many of the upsides of ownership. When your TRAC Lease ends, you have the option to:

1. Purchase the equipment at the end of the lease term at a pre-determined residual agreed to when the lease starts, or
2. Opt to continue to lease the equipment at a reduced rate with payments based on the residual value amount, or
3. Simply return the equipment to Regents

Providing corporate clients with improved financial ratios, up to 100% financing and both interest expense and depreciation deductions.

In its simplest form, a synthetic lease is a type of off-balance-sheet financing that provides a number of benefits for corporate clients, including enhanced financial ratio performance; as much as 100 percent financing with competitive pricing; and tax benefits, including deductions for both lease payments (as operating expenses) and interest expense and depreciation (similar to a capital lease) if exercising the fixed price purchase option (FPO).

 Monetize up to 100% of the equity in your recent equipment purchases to increase capital, decrease taxes and secure fixed rates all while retaining use.

You can monetize the equity – up to 100% – in your equipment purchases (made within the last 12 months) with a sale leaseback. The primary benefit is that you retain use of the asset(s), lower your tax burden AND you now have the option to reinvest the newly acquired capital towards expansion, company expenses or other business needs.

With no conditional use requirements, you can pay for increased expenses, unexpected losses, relocation costs – whatever you need, when you need it.

Working capital loans can help you pay for everyday business expenses such as rent, payroll and debt payments. We offer both unsecured and secured working capital loans. With unsecured loans, how you use the cash is up to you; approval of the loan is not conditional upon the uses for the loan. For example, these short-term loans can also be used to cover unexpected losses, increased expenses, new employees, relocation of an office – whatever you need, when you need it.