WHY FINANCE?

Rather than to wait to save enough cash to purchase your desired equipment, term financing allows you to acquire that same equipment for a low monthly payment. You can put it to work for you while at the same time benefiting from ownership rights.

In many instances, it is useful to stretch the financing out over a long term in order to pay for it over the useful life of the equipment and as it generates income. Proper matching of equipment life and debt term makes sound business sense.

True Leases allow you to recuperate the investment in equipment faster than the depreciation schedules as dictated by the IRS allow.

When you finance equipment through us, most soft costs (such as software, installation, freight, and sales tax) can be included in the finance amount.

Our finance contracts are a business debt. Even if a personal guarantee is required, the transaction will not be reported on your personal credit record as it is an obligation of the business.*

Except if sole proprietorship

By utilizing a finance instrument to acquire needed equipment, a company’s cash and capital is conserved for other purposes that are not able to be financed.

Equipment finance agreements are ideal instruments to match expenses to revenues. We will work with you to project the Revenue stream from your acquisition of ADJ equipment and match the term accordingly. That may mean seasonal payments or our easy start program that allows the Revenues generated to be collected before you start making payment.

Bank credit lines are intended to be utilized for short term needs and provide the ultimate flexibility. It is generally not wise to utilize these funds for capital equipment acquisition.

Our financing products can be structured depending on your circumstance. You can benefit from either immediate and full depreciation write off (Section 179), Accelerated Depreciation or full write-off of the monthly payments while keeping the debt off the balance sheet. We can provide the instrument that is best for you.

In today’s market, cash is King! By holding onto cash balances, a company can secure better terms from suppliers and Lenders. This allows you to earn interest as well as keep it in reserve for possible investments and opportunities that come up routinely.

Our contracts come with FIXED rates that are locked for the duration of the term & not subject to the increases of the prime rate by banks. During current times of low rates, it is very advantageous to obtain a finance agreement now and not be worried, as rates will ultimately increase from today’s historic lows.

Many companies are interested in acquiring equipment, yet they do not want to reflect that debt on their balance sheet for various reasons. An Operating lease allows you to acquire the use of the equipment without the debt reflected on your company’s financial statements.