American Capital Financial Services, Inc.

Lease Calculator

Rates as of:

June 1st, 2013

Lease Amount(Without Tax) Vendor Bonus(0 - 5%) Vendor Bonus(Fixed $)

 

100% Cost Coverage - You can include "soft" costs such as shipping, software, and installation right in the lease. Banks typically want 20-40% down for loans.

Tax Benefits - Depending on your lease structure and accounting treatment, your payment may be fully tax deductible versus depreciating the equipment over a longer term.

Obsolescence Protection - At the end of your lease, you may choose to purchase your equipment, upgrade to new equipment or continue to lease at substantial savings. In fact, we will work with you before the lease expires if you have interest in upgrading and maintaining the state-of-the-art advantage over your competitors.

Budget Benefits - Monthly lease payments are easier to forecast than large capital expenditures and they are locked in at today's costs, thus giving you inflation protection. Payments will not change with Prime.

Conservation of Capital - Your money is not tied up in equipment costs and can be invested in other high return items for your business such as marketing, personnel, and inventory.

Convenience - Apply for a lease with an easy one-page document found at Lease Application. Upon approval, simple lease documents can be turned around in 24 hours.

American Capital is dedicated to making your client's equipment acquisition simple and affordable. Our team has decades of experience serving young growth companies to the Fortune 500. We write leases on all types of business equipment including:

• Computers
• Printers
• Software
• Telecommunications
• Furniture
• Copiers
• Production Equipment
• And Much More!

You will work with one dedicated professional and avoid the headaches of being transferred around a call-center. We take an interest in your organization by participating in sales meetings, assisting at trade shows, and even partnering on sales calls. Your team does not have to be experts at leasing, but they do need to have a partner who is reliable, will assist with client questions and make the process simple. American Capital ensures that each Account Executive is armed with the necessary tools to help the client say "Yes!"

Programs

American Capital manages a wide variety of programs nationwide to maximize the efficiency and satisfaction with each partner. The following is a brief description of resources available to your team by partnering with an experienced lessor.

Fair Market Value Lease - Offer clients a low monthly payment with the flexibility to refresh their equipment, upgrade during the term, or purchase at the end. Operating leases may offer tax benefits by allowing monthly payments to be expensed.

$1/out or 10% Purchase Option Lease - Offer clients a fixed purchase option. This solution is often best for equipment that will remain with the client for a long term.

Soft Cost Lease - Offer clients the ability to finance a transaction loaded with software or consulting services. Many banks and other lessors will only permit 25% of "soft costs" to be built into a lease. American Capital has closed transactions composed of 100% software and transactions with 80% consultative services.

Application Only Lease - Offer clients the ability to apply for a lease with a simple one-page application. Credit review and documentation can be turned around as quickly as 24 hours.