Financing Products

We provide financing products to help business owners 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. CEFI can provide up to $1,000,000 in equipment financing or leasing for your new or used commercial equipment; however, it 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 their 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 and enters a contract with CEFI to repay the principal balance via monthly payments. The borrower is asked to pledge the equipment as collateral on the loan, as well as report assets and loan on balance sheet and to deduct 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 without fear of any hidden charges.


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 returns 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.