American Corporate Finance provides equipment financing for manufacturing equipment, heavy equipment, office equipment, trucks and trailers, aircraft, franchises, and tax exempt financing for hospitals and other tax exempt organizations.

Equipment financing from $100,000 to $50 million structured by conventional and various lease financing options.

Equipment Lease Financing

Capital Leases
Borrower retains ownership of the equipment. Lease is shown as a liability on balance sheet. At the end of lease term, borrower will purchase the equipment for a fixed small amount.

True Leases
True lease does not pay the full equipment cost during the lease term and there is no transfer of title at end of lease term. Lessee’s payments are only for a part of the equipment cost and useful life of the equipment. A true lease may provide for the option to purchase the equipment at fair market value established when the lease has terminated.

New Business Equipment Leases
Provide for more credit risk, therefore credit requirements and payments are higher. The borrowers credit and business background are especially important to a lender.

Percentage Purchase Option Equipment Leases
Lessees are given the option to purchase equipment at the end of the lease. At the end of the lease term, borrower can return equipment to lender, continue leasing arrangement, or acquire the equipment per lease agreement at typically 5-30% of original price.

Structured Equipment Leases
Special programs for lease financing due to marginal credit issues, new business, or industry economic conditions. By enhancing lease with other collateral-equipment, real estate, and other assets-a program can be designed to complete the transaction.

TRAC Equipment Leases
A true lease designed for trucks, tractors and trailers. IRS code permits pre-determined residual values, instead of fair market values, with pre-determined value negotiated at start of lease. True lease payments are still deductible in full.

Custom Equipment Lease Programs
Designed for special payment schedules to meet the requirements of the lessee. Programs can be setup with deferred, step-up/step-down payment, seasonal payments, Updates for various technical and software improvements or modifications can be added without increasing monthly lease payments.

Medical Equipment Leases
Lease programs for doctors, dentists, and other medical professionals, hospitals and clinics. Medical lease programs are available for equipment and lines of credit for existing and startup organizations.

Municipal Equipment Leases
Lease programs for states, cities and counties, including state operated universities, universities, fire and police departments, school systems, hospitals, etc. Municipal Leases can be distinguished from other lease programs as follows-
(1) The intent of the lessee will at end of term with small residual.
(2) Payments of principal and interest, and the lender receives tax exempt treatment for Federal income tax.
(3) Lease program can permit lease termination due to non-appropriation of funds by the Government entity.

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