leasing Equipment, Systems and Structure Financing Solutions U.S. Global Resources and finance/capital investment companies join together to offer leasing on many of our products. Leasing has become the choice of many, particularly in these days of low interest rates and desire to expense capital investments. Leasing is available only to clients in U.S. and Canada at this time. For international clients, those with exemplary financial statements can possibly qualify under payment terms based upon various irrevocable confirmed letters of credit. Pinnacle Why Choose Pinnacle Capital? Simplicity. It’s what you need to be effective in today’s business world. Pinnacle Capital has one focus: to provide you with equipment finance terms that work for you. Application Only up to $100,000 Avoid the hassle of bank loans and lots of time consuming paperwork. Our application process is simple and convenient. Take a few minutes to fill out our application and you can get back to doing what’s important: running your business. Avoid Large Down Payments Why deplete one of your most valuable resources? With a Pinnacle Capital Loan or Lease, only a minimal down payment is needed. Only 1 to 2 payments in advance gets it done … compared to 10%, 20% or even 30% a bank may require. Loan or Lease? Take your pick By offering both loans and leases, you have the power to decide what works best for your business. You may want to discuss with your accountant, which will best benefit your business. Increase Cash Flow & Maximize Profits Overall, a Pinnacle Capital Loan or Lease allows you to maximize cash flow and profits by paying for equipment over time. That means you can earn profits while making payments. Sounds good, doesn’t it? Payments Plans that Recognize the Unique Cycles of Business At Pinnacle Capital, we are committed to working with you to find a payment plan that will suit you and your business. Here are a few examples of our most popular plans: 90 Day Deferral Simply make the first payment in advance and follow with no payments for the next 90 days. 6X100 Only $100 down and $100 a month for six months. It doesn’t get any easier than that! Seasonal Payments I lave a slow period during the year? This program allows you to pick three consecutive months each year and make no payments. Terms up to 10 years available We let you decide what term works best for you. Operating Lease, Capital Lease, or Equipment Finance Agreement? Operating Lease An Operating Lease will give you a lower payment and offer the ability to capitalize on the available tax advantages. The "Pre-Tax" payments made are accounted for on the income/expense sheet as a rental payment with a term end purchase option set at a Fair Market Value (normally a 10% residual). Capital Lease/Equipment Finance Agreement The Capital Lease and the Equipment Finance Agreement is a Conditional Sales Contract and "After-Tax" payments are accounted for as a liability on the balance sheet. Tax savings versus depreciation need to be considered. Speak with your accountant to see which method best suits your needs. We can provide additional detailed information upon your request. Pricing and Terms Pricing for lease financing can be very competitive used in conjunction with the available types of lease programs. Standard terms for most programs and equipment types, range from 12 to 60 months. Standard programs require only a first and last payment to start the lease transaction. How to get started Simply fill out the application on this brochure for up to $100,000 and return it to our office (fax or mail). Upon approval, a payment schedule and available program options can be addressed and discussed. At this time we can notify your vendor of approval, have an invoice issued to us for 100% of equipment cost if needed, and prepare a document package for your review and signature. Equipment is then shipped and upon receipt, payment is made to the vendor. Line of Credit If you are just shopping for equipment to purchase, a Line of Credit letter or a Purchase Order can be issued to let your vendor know you have the funds available for a future purchase. At Pinnacle Capital, we take pride in helping your business thrive. Let us know how we can help you with your business equipment needs. Payment Option Examples: Delayed Payments: up to 90 days before lease term starts Seasonal Skips: help cover seasonal cash flow restrictions Step up/down payments: adjust payments as income and term matures Full Service Equipment Financing Pinnacle Capital, LLC is a full service equipment financing company serving all 50 states. What does full service mean? Full service means just that: from credit processing and funding to billing and collecting, Pinnacle Capital puts over 100 years of combined financing experience to work for you. Pinnacle offers: Competitive Pricing Quick Approvals Flexible Payment Plans Exceptional Customer Service At Pinnacle Capital, our customers know they are more than just a number, they’re our number one priority. Lease-Option Availability Lease/Options are popular for the systems or equipment. USGR can assist in helping to arrange lease financing. Miniums generally $3,000. Leases up to $200,000 available and over in special cases. Equipment Types financed by Leasing Companies Soil Handling Incinerators Conveyors Sprayers Soil Sterilizers. Fans Heaters/Boilers Pressure Washers Portable Cooling Greenhouse/nursery/agriculture systems of all types Greenhouse/nursery lights Bagging Seeders Water booms And more – ask us !