Equipment Financing

James Capital, LLC provides a range of commercial equipment leasing options to improve your bottom line, up to 100 percent financing. Through our network of underwriters, we have the capacity to finance many types of new and used equipment of small firms with the best credit to start-ups, credit challenged firms as well as investment grade companies. We also have the ability to finance municipalities as well as cross border transactions. By using James Capital, you get ACCESS to more money to purchase more equipment and services. Try the James Capital difference and reduce your cash flow concerns.

Allocating Payments over Time is the SMART Way of Acquiring Equipment!

Leasing equipment can help make your business more flexible and competitive, as well as more profitable. James Capital lease financing experts offer custom service, flexible terms and affordable options.

why lease?

Nearly 80% of U.S. businesses lease equipment, and more than 30% of capital equipment is acquired through lease financing. Equipment leasing delivers these key benefits:

Increase monthly cash flow with low fixed-rate financing instead of one large payment
Capital saved on purchasing equipment enables capital to be used for payroll and vendors
Gain potential tax deductions (ask your tax advisor for details)
Match timing of payments to earning of revenues
Lease items that depreciate in value and own those that appreciate in value

Commercial Equipment Lease Types

Below are the various end of lease options to choose from. The choice you make will determine your payment size, what happens to the equipment at the end of the lease, your annual business taxes and ultimately your cash flows. Your choices are:

Fair Market Value (aka FMV Lease)

Most widely used lease option
Offers lowest monthly payment of all lease types
Generally provides 90 to 100% financing
Offers tax and balance sheet advantages (consult your tax advisor)
Flexible end-of-term lease

Fixed Price Purchase Option (aka FPPO)

Generally the same terms and conditions as the FMV
May have slightly higher monthly payments than the FMV lease but lower than a Capital Lease
Generally provides 90 to 100% financing
Flexible end-of-term options
Purchase equipment for the preset purchase price of 10% of the original equipment cost
Continue to pay month-to-month until decision is reached
Return the equipment

$1.00 Purchase Option (aka Capital Lease)

Generally provides 90 to 100% financing
Defined path-to-equipment ownership
May be able to deduct all or part of your purchase under section 179 of the Internal Revenue Code (consult your tax advisor)

Just making an equipment financing decision without considering all the cash flow and tax implications of leasing could prove to be counterproductive to your financial position. Let James Capital help you determine the most cost-effective equipment lease structure for your business or organization.

HOW TO APPLY

Download and fill out the “Customer” section of the application from the link below.
Contact us regarding the equipment you wish to finance.
Fill in the rest of the application and send it to travis@bclrestaurantsupply.com.
Once your application is received, it will be submitted for approval.
Upon approval, we will contact you to know the decision and move forward from there.

DOWNLOAD THE MARLIN FINANCE APPLICATION NOW!

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Other Financing Options

Hard Asset Financing – Short – Term Financing

Hard asset financings are loans used for a short term basis, usually 6 to 12 months. Hard money lenders look for quality of the collateral, ability to re-pay, exit strategy and reasonableness of the request.

Who uses it and why?

Businesses can find themselves with an opportunity for growth or in need of quick bank re-financing. Hard asset financing focuses on greater lending availability, flexibility and speed. Hard money is used for:

Lender takeout’s
Bridge financing
Re-capitalization
Fund rapid growth
Other reasonable requests