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Business Working Capital Providers

Equipment Sale Leaseback /  Term Lease Financing

Option "B" Program:  $100,000 - $5 Million+

No application fee
Credit score 660 or higher, 
No open lien’s 
No bankruptcy (under 5 years, case-by-case review)
Ownership, two years or longer
Equipment that is owned free and clear is preferred, however,
equipment with a loan balance may be paid off, (providing working capital)
Equipment invoices or confirmation of original purchase price is required
Equipment appraisal, required and paid for by applicant, (after pre-approval)
Structure is accomplished with one single term lease facility
Approval process takes about 30 to 45 banking days

We structure equipment refinancing sale leaseback transactions which provides 
yield /capital amounts from a minimum of $100,000 to $5,000,000+ to the 
applicant’s company depending what the company qualifies for. The structuring 
is accomplished with one single lease/facility. Example; if you own equipment and 
it appraises for $100,000, and you are seeking a minimum of $100,000 in capital, 
and your company has appropriate good cash flow, your company’s application 
will be approved subject to meeting basic other guidelines. Note, even if the 
company has debt or other issues, and the applicant/lessee has personal credit, 
debt or other issues the underwriting process evaluates the company’s cash flow 
position as a primary factor in the approval process. Business account receivable 
may be pledged / used as additional security. This program requires financial 
statements, tax returns, an equipment appraisal at owners expense, after approval.

TO QUALIFY: The business should be owned for a minimum of two years. Some 
types of business must be owned three years or more.  Borrower / principal should 
have a FICO credit score of 650 or higher.  Most all equipment and other assets 
may be used for the equipment asset refinance sale leaseback program. The 
equipment does not have to be owned free and clear. The balance would be paid 
off and a new equipment lease structured to include working capital. Some 
businesses types may not qualify for this program. No Start-Up businesses.

The business should be owned for a minimum of two years. Some 
types of business must be owned three years or more.  Borrower / principal should 
have a FICO credit score of 650 or higher.  Most all equipment and other assets 
may be used for the equipment asset refinance sale leaseback program. The 
equipment does not have to be owned free and clear. The balance would be paid 
off and a new equipment lease structured to include working capital. Some 
businesses types may not qualify for this program. No Start-Up businesses.

IF YOUR COMPANY HAS CASH  FLOW and NEEDS  EXPANSION,  
or  WORKING  CAPITAL... SEE THE FOLLOWING ITEMS NEEDED.  
1   Completed and Signed  Business Application form 
     (use the Inquiry form below to request this form be sent to you)

2   Signed Credit Release
     (use the Inquiry form below to request this form be sent to you) required from 
     each applicant owning 20% of the business or more, and/or Guarantors.  

3   List of the name (s) of Lessee (s) and/or Guarantor (s)

4   An overview for the purpose of restructuring

5   Company History Synopsis

6   Provide a short synopsis of the “Use of Funds”, describe allocation, provide a  
pro-forma, a financial explanation of what the working capital infusion or 
financing will do for the company

7   Equipment Value, and/or other Assets Value, approximate dollar amount 
     of the equipment or Asset package.

8    Equipment / Asset Description. Equipment list / Asset list, a detailed 
complete description make, manufacturer, model, a consolidated
schedule / line item list,  (a commercial equipment/asset appraisal
will be required later, after an approval subject to the appraisal) 

9   Term, (length of financing), and end of term option you prefer, (to buy back 
ownership of equipment / asset )  

10  Brochures for major items of equipment (if available)  / and/or a detailed 
            description of Assets 

11) Bank Reference: (If less than one year, provide previous bank)

12) Comparable Credit: (defined as term debt, with highest loan amount (s) 
            company has been approved for, with minimum of one year 
            pay history)