Leasing Advantages

Express Equipment Finance offers fast, flexible leasing programs designed to take the headache and guesswork out of the leasing process. Our goal is to develop a “WIN-WIN” relationship that meets or exceeds your expectation.

Superior Vendor Services
• Fast, flexible credit decisions. High approval ratios.
• Industry specialists and experienced account managers.
• $5,000,00 leases and up. No limit.
• Financing for all ages of equipment.
• All leases are non-recourse. You will never be asked to buy a deal back.
• Fast funding. Usually within 48 hours.
• Express Equipment Finance handles all the paperwork.
• Profit sharing programs are available.
• Co-op marketing services are available.

Complete Customer Service
• 100% of equipment cost is financed.
• Conserves bank lines for other needs.
• Guaranteed payment schedules. Fixed payments for the term of the lease.
• Flexible terms, such as: annual, semiannual, quarterly and seasonal payment schedules.
• No financial statements are required up to $200,000.000 for established companies.

Leasing in General:

• Keeps your current lines of credit available for other uses.
• Conserves cash for expenditures for which financing is not available.
• Matches cash outflow with cash inflow over time.
• Allows for investment into other areas of your business.
• Can be used for installation, training, shipping and other “soft costs.”
• Often allows for an “expensing” of monthly payments at tax time.

Our credit programs are flexible and allow us to approve a wide range of customers. We will consider all credit situations. However, the items below can create approval problems.

Bankruptcies
Especially those established within the past five years and without significant re-establishment of credit history.

Unsatisfied Credit Issues
With satisfactory explanations, we will analyze open judgments, collections and charge-offs.

Low Average Bank Balances
Average low bank balances are those below $1,000.000 and inhibit credit approval regardless of time in business.

New Businesses
We work with new businesses where the owners have above average credit.

Recent Negative Credit History
A potential customer who has had many late payments, collections and/or judgments would be a risk to any financial institution. We will investigate most credit issues in an attempt to overcome the customer’s negative history. We make it a policy to overlook late payments and collections when there are only a few, and they are not within the last two years.

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