The Right Solutions for You
When you work with CapFirst, you'll find equipment finance experts who are easily accessible and get to know your business, and an independently owned company with a different approach. Whether you are looking to expand your company, purchase new equipment or make capital improvements, CapFirst offers a full array of financing products to help you grow.
CapFirst's loan policies and decisions are made locally, and you know you'll have financing to suit the unique needs of your business. We want to work with you to create a customized solution for your future. We offer competitive rates, terms and payment structures and our solutions include:
CapFirst can offer you a wide range of financing options, tailored to suit what you're looking for – including:
- Bank Lease:
- Finance Lease (Capital Lease): A Finance Lease, also called a Capital Lease, is a service we offer in which financing is structured with $1.00 buyout and allows the end-user the benefits of ownership including interest and depreciation expense.
- Operating Lease: An Operating Lease allows for a residual based structure and allows end-user the benefit of recognizing payments as a “rent” expense which flows through income statement creating certain tax benefits.
- Equipment Finance Agreement: An Equipment Finance Agreement (“EFA”) is a fixed-term obligation in which the end-user or borrower retains ownership of the equipment and the lender has a security interest in the equipment. An EFA is similar to that of a traditional equipment loan.
- Tax-Exempt Municipal Financing: Tax-Exempt Municipal Financing offered by CapFirst is exclusive to municipalities (ie. Counties, Cities, School Districts, etc) and by virtue of product being tax-exempt lower interest rates can be offered to the municipality.
Contact one of our team members to talk about your current and future plans.