::: First Financial :::

Depreciation benefits enable you to deduct rental payments as regular operating expenses. Therefore, if you are subject to the alternative minimum tax, you can benefit because the lease payments are not considered as tax preference items.

Leasing is cash flow management

Leasing keeps your lines of credit open, therefore, you do not tie up your cash in equipment. In addition, it allows you to avoid costly down payments.
Another advantage include off-balance sheet financing. Leasing helps to better manage your assets and liabilities.

Leasing adds Flexibility

Do you have an irregular stream of income? Your business conditions, cash flow, equipment needs and tax situation dictates the terms and conditions of your lease. Regardless of the current interest rate environment, you will be able to acquire equipment.

Leasing is protection against equipment obsolescence

Are you exhausted of working with obsolete equipment? Leasing allows you to return the equipment or secure an upgrade at the end of the term. Furthermore, your equipment needs may change over time due to expansion. Leasing allows you to keep your options open.

Leasing is convenience in equipment management

By leasing, you transfer the uncertainties of asset management, which allows you to concentrate on making the asset a productive part of your business.

First Financial Leases have included but are not limited to:
Air Conditioning Equipment	Drill Presses	Manufacturing Equipment	Saw Mill Equipment
Aircraft	Drilling Equipment	Medical Equipment	Scientific Equipment
	Environmental Equipment	Metal Forming Equipment	Shelves and Display Cases
Broadcasting Equipment	Farm Machinery	Metal Plating Equipment	Shelving and Display Cases
Buses	Fax Machines	Milling Machines	Ships
Cement Mixers	Film Processing Equipment	Office Equipment	Sound Equipment
Chemical Handling Equipment	Food Handling Equipment	Office Furniture	Store Lighting and Fixtures
Chiropractic Equipment	Forestry Equipment	Paint Spray Equipment	Swimming Pools Equipment
Commercial Kitchen Equipment	Fork Lifts Trucks	Paper shredders	Television and Home Theater Equipment
Commercial Sewing Machines	Heating Equipment	Phone Systems
Communications Equipment	Hoist	Photographic Equipment
Compressed Air Equipment	Hotel Equipment	Pizza Ovens	TV Studio Equipment
Computer Equipment	Industrial Equipment	Plants	Video Equipment
Construction Equipment	Jewelry Makers Equipment	Polishing Equipment	Water Purification Equipment
Copiers	Laminating Equipment	Power Plant Equipment	Water Treatment Equipment
Cranes	Lathes	Railroad Equipment	Welding Equipment
Decorative Art	Lighting Equipment	Recycling Equipment	Woodworking Equipment
Dental Equipment	Limos	Refrigeration Equipment

Program Specifics:
*Two (2) years in business
*No bankruptcies, judgments or liens
*ACH required
*650 credit score for owners
*Approval is good for ninety (90) days
Program 1 - Six (6) Months Skip Payments
*PG's required on all owners
*PG's must have a Beacon or FI over 650
*Proof of ownership & structure
*Interest rates starting as low as 9.5%
*Example - $150,000 equipment lease
* 1 security deposit payment of $3,317.08
* 6 monthly payments of $99.00
* 54 monthly payment of $3,317.08

Program 2 - Twenty Five Percent (25%) Cash Back
*Working Capital is a simple event to acquire equipment financing and working capital. *The working capital portion is not to exceed 25% of the equipment cost not including shipping.
*PG's required on all owners
*PG's must have a Beacon or FI over 650
*Copies of first page only of previous three (3) months business bank statements
*The working capital is funded to health club after the equipment is delivered
*Example - $100,000 in product with $25,000 cash totaling $125,000.
*Example - $75,000 in product with $18,750 in cash totaling $93,750.

Please note: Examples are assuming full financial packages are provided at the time of application. Some restrictions apply. All programs

Advantages of Leasing

Why Lease?

Lease Application