Capital Access Partners presents

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Capital Access Partnerspresents

• Equipment Leasing

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Do You Need Equipment For Your Business?

• A business needs equipment to
• Operate efficiently
• Allow it to grow
• Often produce income

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Valley Funding SolutionsCan Help!

• Unlimited access to all types of equipment!
• We may be able to help your business with an
  Equipment Lease!

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Equipment Leasing

• Ways of Acquiring Equipment
• Writing a check
• Bank Loan
• Equipment Lease!

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A Few Questions

• What type of business are you in?
• How is your credit score?
• Do you have a positive cash flow?

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We Play MatchmakerHow do we do it?

• I am a Professional Business Consultant
• A Professional Business Consultant is a trained
  professional who guides business owners in both
  short and long term business growth. He/She is
  able to speak with business owners on a level
  that will help them operate their business more
  effectively and efficiently. He/She is
  knowledgeable and resourceful individual who
  keeps abreast of industry trends and developments
  for the benefit of their clients, and is able to
  provide business owners with the necessary
  funding to help operate that business.

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As a Professional Business Consultant

• Obtain information on your business and business
  credit
• Find the most competitive lease terms for the
  specific type of equipment you are interested in
  acquiring

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2 Very Important Criterias about Equipment
Leasing

• Cash Flow Product
• Credit Based Product

Do you have a positive cash flow showing you can
meet required payment, as well as, positive
credit allowing me to reward you the best rate?
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• Do you have any assets that are not encumbered
  (no leins) that are able to enhance a lease (If
  Applicable)?

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Its Very Simple!

• In order to move forward I need the following

Application
Financial Statement
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What is Off-Balance Sheet Financing How Does
It Relate to Equipment Leasing?
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Off-Balance Sheet Financing

• A form of financing in which large capital
  expenditures are kept off of a companys balance
  sheet through various classification methods.
  Companies will often use Off Balance sheet to
  keep their debt-to-equity (D/E) and leverage
  ratios low, especially if the inclusion of a
  large expenditure would break negative debt
  covenants.
• Contrast to loans, there is no debt to equity
  in an Equipment Lease. Examples of Off-Balance
  Sheet Financing include joint ventures, research
  and development partnerships and operating leases
  (rather than purchases of capital equipment).
• Equipment Leases are one of the most common
  forms of Off-Balance Sheet Financing. In these
  cases, the asset itself is kept on the Lessors
  balance sheet, and the Lessee reports only the
  required rental expense for use of the asset on
  the income statement.

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Off-Balance Sheet Financing

• Financing off the balance sheet
• The acquisition and ultimate creation of an asset
  without creating any debt
• OBSF is a tax deductible expense

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Types of Equipment Leasing Forms

• True
• Capital
• Full Payout
• Master
• Net
• Sale Leaseback
• Municipal
• Aircraft and Marine
• Operating
• Please consult your CPA for any advice

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True Lease

• Any lease that qualifies as a lease under the
  IRS. This lease functions so that the lessee has
  the right to deduct payments as an expense and
  the lessor has the right to claim benefits like
  depreciation.

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Finance/Capital Lease

• The lessee has the ability at the end of the
  lease to acquire title of the asset for an amount
  (PUT) guaranteed and pre-determined in the lease.

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Full Payout Lease

• The Lessee agrees to pay the Lessor the full
  amount of the equipment cost plus an agreed upon
  return over the lease term.

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Master Lease

• An open ended lease agreement whereby the
  lessee has the ability to add additional
  equipment to the lease during the term without
  starting a new lease.

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Net Lease

• All costs associated with agreement between
  the lessor and lessee are paid by the lessee.
  This includes the monthly payment, agreed return,
  taxes, insurance, repairs and maintenance.

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Sale Leaseback

• A business sells existing equipment owned free
  and clear to a lessor and then leases it back
  as the lessee Most commonly done within 90 days
  of the initial purchase. This creates capital for
  the business.

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Municipal Lease

• A lease document specifically designed for a
  local or state government agency that leases
  equipment for that organization.

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Aircraft and Marine

• May be written on different and/or specific
  lease forms designed by the lessor if the
  equipment will/could leave the boundaries of the
  U.S. and cross over into international
  jurisdictions.

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Operating Lease

• A lease for which the lessee acquires the
  property for only a small portion of its useful
  life. An Operating Lease is commonly used to
  acquire equipment on a short-term basis. Any
  lease that is not a Capital Lease is an Operating
  Lease

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Ask Yourself

• Would you rather put as little as 1st Payment and
  processing fees (300) down
• OR
• Get traditional financing through the bank
  putting 15 to 20 down?

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We Can Help!

• My company has the ability to help you with
  almost any type of equipment!
• Equipment Leasing is considered an expense
  through the entire term of the lease Thus
  creating no debt!
• Have you ever borrowed any money without creating
  any debt?

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Is This Too Good To Be True?

• YES!
• Its Too Good and Its All True!

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Facts About a Lease

• 24, 36, 48, 60, 72, 84, 96, 108, 120 month lease
  depending on client/equipment
• Secured/Unsecured
• Almost all equipment can be leased unless
  hazardous (Firecrackers, Nail Machine, etc.)

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How A Lease Works

• PUT assigned to end of term
• Fees up front include
• First and Last Payment
• Processing Fees (200)
• So whats a PUT?

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PUT

• A sum amount essentially assigned by a lessor
  which when paid at the end of a lease term will
  transfer ownership from the lessor to the lessee
• A PUT can be
• 10-15-20 of original lease amount
• Fair Market Value
• Actual Market Value
• OR

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1.00!
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Is An Equipment Lease A Liability On Your Balance
Sheet?

• No.
• An equipment lease is an expense through the
  entire term of the lease 100 tax deductable.
• When/If the last payment (PUT) is made, It
  becomes an asset on the balance sheet.
• WOW!

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Can You Imagine?

• Having more money in your business checking
  account
• Not creating debt for your business
• Having enough equipment for your business to
  operate it efficiently and, in some cases,
  produce additional income!
• Does this type of financing appeal to you?

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Great!

• All We Need To Do Is
• Review your Financial Statement
• Fill out the necessary documents
• Get you an approval right away!!!

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NO FEES!

• Its important for you to know that my company
  accepts no up-front fees for applications
• I will get you an answer based on the information
  you provide at no charge to you!

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I dont want to take away too much of your time
as I know there are other things you would like
to be doing.
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Valley Funding SolutionsThanks You For Your Time!

• Contact Ross Goodwin, CCFC at
• Valley Funding Solutions
• 1163 N. Redding Way
• Upland, CA 91786
• [phone] phone
• [phone] fax
• rg_at_valleyfundingsolutions.com
• www.valleyfundingsolutions.com