SFT Financial Services...

Providing Creative Solutions to your Equipment Needs...

$ 1.00 Purchase Lease

The final payment of $1.00 transfers legal title from SFT Financial to the Lessee/Customer.

Operating Lease/Long-Term Rental

Customer/Lessee has the options at lease/rental expiry to renew the rental, return the equipment, or, at any time, purchase the equipment.

Short-Term Rental

Customer/Lessee has the options at lease/rental expiry to renew the rental, return the equipment, or, at any time, purchase the equipment.

For Additional Financial Options & Terms, Please Contact:

Augie Healy, chealy@captivelease.com

(973) 292-0025 Phone
(973) 292-0019 Fax

Various Methods of Acquiring Equipment:

The following chart is useful in determining the best way to acquire equipment based on different needs of your company.

Customer Criteria	Cash	$1.00 Purchase Option	Operating Lease	Short Term Rental
Ownership	*	*
Optional ownership			*	*
Use & return			*	*
Off-balance-sheet financing			*	*
100% financing (no down payment)		*	*
Cash surplus - trade-in	*	*
Expense 100% of payments			*	*
Needs depreciation / interest write-offs	*	*
Affected by alternative minimum tax			*	*
Lowest monthly payment (for use)			*
Future business uncertain				*
Temporarily avoid debt				*
Try out equipment				*
Improve cash flow		*	*
Planned equipment replacement			*	*
Eliminate equipment disposal concerns			*	*

*Individual structures are subject to final credit approval.

Questions To Ask To Determine Your Company's Needs

Do you have capital tied up in equipment, which you would rather use for more productive and profitable purposes?
Would it help your budgeting if you had a fixed, monthly cost to accommodate your equipment needs?
Would you be interested in brand new equipment, for a specified period of time, without a heavy capital outlay, but with a set monthly fee?
What type of replacement program do you have?
Do you have a means of liquidating your used equipment?
Would you be interested in having your present equipment replaced with new updated equipment?
Would it increase your overall productivity to have more freedom of equipment interchangeability?
Do you take pride in your equipment?
Do you know what your equipment maintenance cost are each year for parts, services and temporary equipment during downtime periods?
Would elimination of mechanics, stock, and service records alleviate any problems for you?
How do you depreciate your equipment? Can you use the depreciation tax benefits being generated? Is it in line with the "optimum economic life" of your equipment, as per industry standards?
Do you have a preference for on or off balance sheet financing?
Did you ever have an AMT (Alternative Minimum Tax) obligation last year?