Financing from TEAM

What Type of Financing Is Available At TEAM?
Each account is setup individually to fit YOUR company's needs on payment schedule, term, and type!

Fair Market Value

• allows company to have off-balance sheet financing (more appealing to financial institutions for future purchases)
• hedges a company against equipment obsolescence
• allows for lowest possible monthly payment

$1 Out Purchase Option

• allows a company to own the equipment upon termination of lease
• fixed payment for more accurate budgeting
• lessee claims depreciation and interest deductions
• hedges a company against interest rate hikes

10% or 20% Purchase Option

• allows company to purchase, return, or continue lease on month-to-month basis
• lessee can expense monthly payments on income statement reducing taxable income

TEAM can offer several combinations of Payment and Term Options to suit most any businesses needs.

Payment Options

• Step-Up and Step-Down
• 12 Payments Per Year
• Skip payments to Assist with Seasonal Cash Flow (e.g. golf course, landscape)

Term Options

• 24 month
• 36 month
• 48 month
• 60 month
  * other options available upon request and review

What are the benefits of financing?  
80% of businesses nationwide finance all or some of their capital equipment.
 
100% Financing/Flexible
With equipment leasing your payments are often greatly lower than traditional loans.   Many times there is little or no up-front cost due at the lease closing.   We also include out-of-pocket expenses like shipping, freight, and installation.   Leasing with TFG enables you to structure repayment plans with seasonal work if you choose to. YOU DECIDE.

Working Capital Availability
Many leases are considered off-balance sheet financing which essentially leaves your credit lines intact for other business purposes.   Along with keeping credit lines intact, leasing also creates more appealing financial ratios for future business ventures.

Fixed Expense/Inflation Hedge
With a fixed payment of a lease, it is easier to create an accurate budget.   Also, by locking into a fixed interest rate, you will create a hedge against inflation and pay yesterday's payment on today's dollar.

Avoid equipment Obsolescence
Leasing allows you to not be tied to outdated equipment.  With quickly changing technology, it is hard to stay on the cutting edge, but leasing makes updating obsolete equipment easy.

Tax Benefits
Lease payments are extremely tax advantageous with the possibility of expensing lease payments up to 100%.  

Fast & Easy Decisions
With most leases, we can have an answer to you within a couple of hours with only an application.   At TFG, we want the financing process to be quick and painless for our customers.