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Fair market value (FMV) lease
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Unique Payment Structures

PRODUCT DESCRIPTION WHEN TO RECOMMEND
Deferred Payments: 60, 90 Days
  • Available on FMV leases
  • Defer payments up to 90 days
  • No security deposit
  • After the 60 or 90 day deferral, regular payments and terms commence
  • End of lease options: Exercise purchase option, lease equipment on a month-to-month basis, or return equipment
  • If lessee had budgetary constraints
  • If lessee is procrastinating at end of calendar or fiscal year
Step Down Payments
  • Available on FMV
  • Payments can be structured to meet unique customer cash position
  • End of lease options: Exercise purchase option, lease equipment on a month-to-month basis, or return equipment
  • If customer is short-term cash rich
  • If lessee wants to minimize finance charges (Step Down)
Skip Payments
  • Available on residual or $1 Buy-out options
  • Skip any two or three consecutive months annually
  • Two security deposits required; refundable at lease end
  • End of lease options: Exercise purchase option, lease equipment on a month-to-month basis, or return equipment
  • If lessee has a cyclical business, such as a golf course, school or landscape contractor

Other Specialized Products

PRODUCT DESCRIPTION WHEN TO RECOMMEND
Fixed Price Purchase Option (FPPO)
  • Similar to a FMV lease. However, this solution contains a pre-stated purchase or buy-out option
  • That way the cost to purchase the equipment at the end-of-term is known up front
  • Limited to construction leasing only
  • When a customer wants an end of term fixed buy-out price
Early Buy-Out Option (EBO)
  • Contains pre-stated purchase or buy-out option before the end of the lease
  • Provides customer with predictable end-of-lease costs
  • When customer wants to know the exact cost of ownership before the end of the lease term
  • When the customer is unsure of the length of the construction or technology project that requires your equipment

None of this information should be construed as tax, accounting, financial or legal advice. Please consult your own professionals for such advice.

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