MIME-Version: 1.0 Content-Type: multipart/related; boundary="----=_NextPart_01C6D418.73929E10" This document is a Single File Web Page, also known as a Web Archive file. If you are seeing this message, your browser or editor doesn't support Web Archive files. Please download a browser that supports Web Archive, such as Microsoft Internet Explorer. ------=_NextPart_01C6D418.73929E10 Content-Location: file:///C:/6465E2A5/LeasingBrochure.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" NEED NEW EQUIPMENT

 

NEED NEW EQUIPMENT?

 

IT’S EASY AS…1, 2, 3

 

Businesses throughout= the United States lease over $200 billion of equipment every year.  In fact, nearly 80% of all busines= ses have at least one equipment lease on their books.  It’s popular, and it’s easy.  Just follow these simple steps:

 

·         Select Desired Equipment:  = Identify the equipment you would like to acquire.

·         Complete Lease Application:  = A simple one-page lease application is all that is needed for transactions less than $75,000.  Larger transactions = will require full financial disclosure.

 

·         Obtain Credit Decision:  = RBA Leasing will offer a credit decision within 24 hours of receiving a lease application or financial package. 

 

·         Prepare Lease Documents and Issue Purchase Order= :  = Upon receipt of signed lease documents, Leasing will issue a purchase order to t= he vendor.  The vendor will ship = the equipment to the Company and invoice Leasing. 

 

FREQUENTLY ASKED QUESTIONS:

What equipment can be financed:  = Nearly all equipment used by businesses.  This would include:  computers, furniture, lab and manufacturing equipment, phone systems, software and test equipment.

Is a lease fixed rate financing:  Yes.  A lease is writte= n for a term of 24-60 months.  The interest rate is fixed during the term of that lease.

Does a submitted Lease Application guarantee an approval:  No.  Approximately 80% of lease applications are approved.   However, often times a lease= that would have been declined can be “structured” so that it can be approved.  That structure might include additional collateral, guarantees or percentage of advance.

Can equipment be leased if already acquired:  = Yes, as long as the equipment has been acquired within the last 30-days and the customer can show proof of payment.

Are there any tax benefits to leasing= :  = There are no investment tax credits.  However, operating lease payments can reduce taxable income.

 

SAMPLE LEASE STRUCTURE AND PRICING:

Assume Company A want= s to lease the acquisition of $30,000 worth of office furniture.  Lease rates for 36, 48 and 60 mont= hs would be:  .0329, .0258 and .0216.  Corresponding monthly = lease payments would be:  $987.00, $= 774.00 and $648.00 ($30,000 * .0329 =3D $987.00).=   After the requisite number of payments, Company A would own the offi= ce furniture outright. 

 

ADVANTAGES TO LEASING:  =

  • Leasing conserves working capital
  • Can be structured as ‘off-balance sheet’ financing
  • Is a hedge against equipment obsolescence
  • Matches cost of equipment with its use=
  • Typically less restrictive than a bank loan=
  • Fixed rate financing
  • Quick turnaround
  • Increases buying power
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