Serving The Banking Community

Lease-Finance offers assistance to the banking community in many ways:

By providing financing services to commercial customers in situations where the bank does not want to take additional risk.

By providing the bank the opportunity to book earning assets originated by Lease-Finance. On a one by one basis the bank makes it own credit decision, and

By acting as the bank's leasing company in situations where your customer requests a lease and the bank wishes to maintain the earning asset. Lease-Finance structures, documents, and assigns the lease contract to the bank. We can handle all billing, collection and sales/use tax functions associated with the lease for you.

Lease-Finance will supplement your lending activities such that the customer or prospect is not declined credit to finance equipment, and you have the ability to protect your desirable relationships. Aassistance is provided to any customer or propect that is requesting credit to finance equipment and who the bank cannot service for any reason including:

~ A customer or prospect who requests equipment financing which, when considered in relation to the one obligor total, is beyond the bank's comfort level.

~ Any customer or prospect who requests a lease, or special terms that effectively enhance cash flow or provide specific accounting or tax which are accomplished by a lease. Changes in tax legislation have increase the demand for equipment leasing by closely held Sub Chapter S corporations as this form of financing reduces the Alternative Minimum Tax.

~ A company and/or equipment that is located outside of your defined lending area.

~ Cases where the equipment is specialized to the extent that the bank is not comfortable with the collateral.

~ A company or prospect seeking only a financing transaction or a company that is not willing to move its full banking relationship.

~ Any current customer who is seeking additional working capital beyond the bank's comfort level, or a customer where the bank feels uncomfortable with the current level of exposure. If the company has purchased equipment in the past, Lease-Finance can refinance the equipment with the proceeds applied to pay down the borrower's obligations/exposure to the bank under a working capital or other loan. This will effectively increase the borrower's availability and allow you to continue to benefit from the relationship without fear that the customer feels he has outgrown the bank.