Effective use of financing and leasing leads to green, lush businesses. Financing is a preferred means of equipment and software purchase for millions of businesses nationwide. Businesses choose financing for the following reasons:

Off Credit: AC and partners are generally not required to report debt to the credit bureaus. We can provide hundreds of thousands in funding without this debt showing on the credit of the owners. This helps to keep your Fair, Isaac (FICO) score high. Many types of bank financing are reported to the bureaus; hence, this is a major advantage to working with AC. Call us to discuss.

Fast Access: AC works quickly, often approving and sending documents for review within hours of submission. Whereas, many traditional lenders may take days to weeks to provide feedback, we seek to provide near instantaneous service on credit, docs, and follow up requests.

Flexible Service: AC is more flexible than most similar organizations. A lean and team environment enables rapid action and resolution. We out-perform most traditional banks given our structure.
Preserve Cash, Working Capital: AC funds small and major expansions without generally affecting existing cash, working capital, or bank lines. Keep your cash for advertising, marketing, build-out, and similar. Call us for competitive working capital as well.

Tax Advantages: Financed equipment can generally be expensed via IRS Tax Code Section 179. The expected limit is $250,000, enabling a full write-off of finance purchases for many businesses.

Fixed Payments: Our clients pay fixed payments on purchases as opposed to floating payments. This enables simple budgeting and cash flow planning.

Depreciation and Inflation Benefit: With financing, you pay for purchases over time while generating revenue for your business. The interest in a finance transaction is partially offset by the benefit of inflation. Future payments are cheaper than the same payment in today's dollars by approximately 3% per year. The inflation benefit is a major incentive to paying for equipment over time.

Associated Capital Further Provides:
Consulting: Discuss any current or existing transaction. We will review your contract and advise of our experiences with the lender, providing honest feedback with clear intention of supporting your business.

100% Financing: AC is a primary partner to the majority of our clients. We fund most of their office expansions, enabling no out of pocket costs.

Payment Structures & Deferrals: AC offers deferrals, step programs, and structures to match cash-flow and seasonal business cycles. Flexibility is a key element of our enterprise.

FMV Financing: We advise clients to avoid FMV options in general; call us to discuss. When appropriate, we assist an enterprise to avoid obsolescence of equipment via an FMV residual.

Operating Budget / FASB: AC's executive team understands accounting policies such as FASB 13 and operating budget requirements. We accommodate large and institutional buyers with effective solutions.