1. 100% Financing: Traditional methods of financing usually do not include “soft” items such as installation and freight. A lease transaction can contain both of these, thereby allowing you to finance the entire package.

2. No Down Payment: Most traditional financing options require a sizable down payment. On cash purchases this can be as much as 20%. Now down payment is required on a lease.

3. Use of Equipment: Leasing is the use of an asset. Leasing enables you to pay as you use.

4. Fixed Payments: In times when many financing transactions have floating interest rates, knowing in advance what your payments will be enables you to budget and manage equipment dollars.

5. Longer Terms: Many banks only lend money short term, usually 12 to 36 months. In lease arrangements, the term can be as long as 60 months or even longer.

6. Protection from Obsolescence: Industry analysts say today’s equipment can be technologically obsolete much quicker than before, due to developmental advances. This is especially true with computers.

7. Flexibility: Leasing provides the lessee with greater structuring flexibility and the opportunity to make the most of such lease structuring variables as number and amount of advance payments, purchase options, etc.

8. Simpler Than Bank Loans: Leasing programs and procedures are specially designed to take the red tape out of financing capital equipment for business.

9. Purchase or Renewal Options: Most lease arrangements allow customers the option to either purchase at a state amount or at Fair Market Value, or to renew the lease at a reduced monthly payment.

10. Conversation of Capital: Many businesses lease to conserve capital. Leasing always wins out in the “lease versus buy” analysis.

11. Easier Cash Flow Forecasting: Leasing, which is simply dollars-per-month financing, helps an equipment user fit a monthly payment into their budget because payments are fixed.

12. Ability to Work Within Budget: Many businesses lease because it allows them to have the use of the equipment (which is all they really want) and still work within operating budget limits.

13. Tax Benefits: Businesses can usually deduct their monthly lease payment as an operating expense. This clearly reduces the net cost of the lease.

14. Special Programs: Marketing and pricing programs can be customized to reflect the financing needs of specific industries.

15. Master Lease: Businesses with multiple locations or divisions can derive benefits from a Master Lease Agreement (MLA), a master agreement between the lessee and lessor as to the terms and conditions under which they will do business.

16. State-of-the-Art Equipment: When dollars are already budgeted, managers who need newer equipment can conveniently acquire that equipment on a dollars-per-month basis.

17. Additional Lines of Credit: When equipment is bought with borrowed funds, credit lines with a lender are reduced. When equipment is leased, a business has, in fact established an additional line of credit with its lessor.

18. Its Quick and Easy – – You can even do it Online: By completing one simple application, you can have an answer in just hours.

19. Use Lessor for Other Equipment Needs: While some companies have captive finance companies to handle only their equipment, other lessor are in the position to lease just about anything from photocopies to forklifts.

20. Create Profits: Leasing your new machinery and equipment will allow you to preserve your existing cash flow to respond to new business opportunities. The profit generated from the productivity of the equipment is usually greater than the lease payments.
If leasing is desired, we offer leasing through the following:

J & L Capitol
Rob Driver
559-779-2558 Office

C/R Leasing & Financial Co.
Ms. Carolyn Roth
7942 Maple #108
Fresno, Ca 93720
1-800-383-5591 Office | 1-800-731-4090 Fax