Financing Products

We provide financing products to help business owners to maintain a healthy cash flow for continuous business growth. We finance or lease commercial equipment for companies that have been operating for at least 2 years or possess 5+ years of industry experience. With equipment financing and leasing, you can get up to $1,000,000 for financing your new or used business equipment but could be greater depending on the equipment to be financed. The minimum amount financed is $25,000.

Our goal with every customer is to understand our customer's needs and offer solutions that combine financial expertise with in-depth market and asset knowledge.


Two Party Loan and Security Agreement

The borrower holds legal title to the equipment, enters a contract with CEFI to repay the principal balance (monthly payment), pledge the equipment as collateral loan and report assets and loan on balance sheet, deducts interest expense and equipment depreciation. Customers can rely on a stable monthly payment for the term of the loan and own the equipment outright at payoff.


Capital Lease

CEFI holds legal title to the equipment and rents it to the Lessee for a specific period with a fixed monthly payment. Lessee reports assets and lease principal balance on balance sheet, deducts interest expense and equipment depreciation. The Capital lease offers to the customer the benefits of financing products with the accounting benefits related to the lease payments. At the end of the rental term, customer purchases the equipment from CEFI at a previously agreed upon price or simply return the equipment, subject to inspection and certain conditions.


Operating Lease

CEFI holds legal title to the equipment and rents it to the Lessee for a specific period with a fixed monthly payment. Lessee’s balance sheet is not impacted; lease payments are reported as a capital expense. This type of lease gives the customer the benefits of financing product without taking ownership, but recording the accounting benefits related to the lease payments. At the end of the rental term the equipment’s fair market value is assessed, and the lessee has the following options:

  • Continue to rent the equipment.
  • Purchase the equipment at Fair Market Value (FMV).
  • Return the equipment to CEFI.
  • Return the equipment to CEFI and enter into a new agreement to rent new equipment.


TRAC Lease

A TRAC Lease provides a known end-of-lease residual and offers ownership opportunities at lease TRAC leases offer options for you at the end of the lease: the residual amount may be re-financed, paid off, or the truck can be returned and sold for fair market value. If the truck sells for less that the established known residual, you will owe the difference.