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Archive : May 2013

By The Leasing Group

Business financing: How it has changed since 2008

2008年的大银行丑闻和随后的金融危机导致了大范围的贷款冻结,切断了许多企业家的企业租赁融资. 中小型企业只能获得部分设备贷款,或者根本得不到资金.

没有做错任何事的社区银行被大银行的错误所惩罚. 所有的金融机构都因为害怕处罚和诉讼而不愿放贷. 贷款冻结对中小企业的影响是毁灭性的.

《巴黎澳门人娱乐游戏官网》(The Huffington Post) 2012年8月报道称,经济低迷的后果践踏了许多企业家的梦想. More than 170,000 U.S. small businesses closed up shop between 2008 and 2010. A myriad others couldn’t get the financing to get started at all.

过去5年里,大大小小的银行都受到了监管和合规法律的打击. 贷款所需的文件如山,令许多银行家束手无策.

Fortunately, 银行业领袖们开始意识到,如果不发放贷款,他们就无法赚钱. As of 2012, 由于银行在监管过度的情况下找到了放贷方式,借款者再次赢得了胜利.

According to a 2012 report by Thomson Reuters, small business financing is on the rise for the first time since 2008. 随着销售的增加,对商业贷款的需求也在增加, and businesses are gaining back some footing on their credit scores.

在银行业中,更多的贷款自由意味着更多的发展业务的自由. Now is a good time to consider applying for equipment lease financing. Contact The Leasing Group at (502) 547-2773 for more information about how we can help you.

By The Leasing Group

Business equipment leasing: Six weird items you can lease

When it comes to business equipment leasing, you already know you can rent all the desks, chairs, computers and copiers you’ll ever need. 其他常见租赁可能包括车辆、传送带系统和建筑设备.

这只是一个小样本的设备,你可能会聪明地租用而不是购买. 相信澳门真钱游戏官网,澳门真钱游戏官网做这行已经很久了,澳门真钱游戏官网都见识过了.

Here are six items for lease you might not expect:

1. Fitness equipment
你知道你一直想在当地健身房用的Cybex机器可能是租来的吗? 跑步机、椭圆机、踏步机和举重机都很贵. 由于日常使用过度,它们需要定期维护和频繁更换. 澳门真钱游戏官网经常主张澳门真钱游戏官网的健身中心的客户租用他们的机器,而不是购买他们.

2. Laundry equipment
Like a gym, 其他依靠设备创收的企业是公共自助洗衣店, multifamily housing laundry rooms or commercial linen service firms. Have you priced a new washer and dryer for your home lately? A top-of the-line model is not cheap, 所以再乘以几倍,你就得到了一台工业洗衣机的成本, dryer or flatwork ironer. 这些企业的设备总成本可能从7.5万美元到25万美元不等. 当你没有流动现金来进行大规模的前期投资时,租赁是很有意义的.

3. Cleaning equipment
We’re not talking about mops and buckets here. 商业清洁公司,其客户是大型办公设施, hotels or stadiums have to keep on hand an array of floor buffers, steam cleaners, pressure washers and carpet shampooers. Each of these devices can cost thousands of dollars. 澳门真钱游戏官网建议这些公司在决定租赁或拥有时,要权衡总投资和持续维护.

4. Fire Trucks, Police Cars, and Ambulances
许多人认为城市和市政当局会直接购买消防车之类的东西, 但在很多情况下,租赁急救车辆更有经济意义. Leasing allows local governments to better manage cash flow, plus they can usually get low interest rates and flexible terms. 所以请记住,一定要在路上给镇上的消防车留出足够的空间. They just might not be paid for yet.

5. Art
Fine art is a luxury. 许多企业希望将绘画和摄影融入他们的办公室décor. Or maybe they need art to spice up an event or corporate outing. We think it’s a great idea to lease artwork instead of buy it, not only because it saves money, but also because it allows for changes in taste. 许多艺术品经销商允许你租借艺术品,就像你从Netflix租借电影一样——只要你喜欢,你就可以保留它, then return it for something fresh and new.

6. Barges
位于一个河边小镇,让澳门真钱游戏官网有很多机会看到驳船在俄亥俄河上尽职地来回行驶. 许多人根本不会考虑谁拥有这艘驳船,或者它的资金来源, 因此,你可能会惊讶地发现,公司通常会租赁驳船,以保持其现金流优势.

The Leasing Group 可以帮助您融资的所有以上,以及任何标准的商业澳门真钱游戏官网. Contact us at (502) 547-2773.

By The Leasing Group

Six lease terms that can make your life miserable

When it comes time to lease equipment for your business, 澳门真钱游戏官网大多数人在考虑如何支付之前就开始购买澳门真钱游戏官网需要的设备. Often, when you finally find that perfect machine or piece of furniture, you’re ready to sign on the dotted line so you can start using it today.

Equipment vendors can smell that sense of urgency from a mile away. And that’s when they reel you in by offering quick, sometimes automatic, approval if you sign up for their financing right then.Sure, their “fast and easy” process is awfully enticing. 但帮自己一个忙,货比三家寻求融资,否则你可能会被炒鱿鱼.
批准可能是无痛的,但供应商或经销商融资的条款却不是. If any of the following are in your financing agreement, don’t sign.

1. High interest rate
This is one of the first “gotchas” to look out for. If you have questionable credit or just need the equipment yesterday, the quick approval process is especially attractive. 但过高的利率可能是你为快速交易支付的价格.

2. Early payoff penalties
If you sign up for five-year financing, but know you won’t need that much time to pay it off, don’t count on getting off free and clear before the fives years are up. If you’re able to pay off the lease in three years, for example, 你可能会被惩罚,这比你在剩下的两年里等待的代价要高.

3. Hidden fees
Hidden fees can take many forms, 但最常见的两种是重新进货费和强制保险. If you chose to cancel your lease and return the equipment, 你可能会被重新进货的费用困住,这笔费用加起来比你所有剩余的付款加起来还要多. 此外,一些租赁条款要求借款人为租赁物品投保. 如果发生这种情况,贷款人可以通过购买保单和支付租赁费用来保护他或她的投资. The new premiums can be much higher than the policy they replaced.

4. Deposit
有些供应商只会资助设备总成本的一部分,并要求你在签署时支付大量的定金.

5. Excessive late fees applied early
Many vendors or dealers impose a hefty penalty for late payments, even if you are only one day past due. Don’t expect any grace period or notification at all. Late fees can be as high as ten percent.

6. Evergreen provisions
这些条款规定,如果你在合同到期前一定时间内(通常是90天)没有通知租赁公司,你就不想再续租了, the lease is automatically renewed for another full term. After several years of making monthly payments, it’s easy to forget that it’s your responsibility to cancel the lease.

The Leasing Group 这里是为了帮助您避免这些陷阱,确保澳门真钱游戏官网融资,最适合您的需求,通过澳门真钱游戏官网的合作伙伴贷款人之一. Contact us today at (502) 547-2773.