Our financing options are:

We finance or lease commercial equipment for companies that have been running for at least 2 years or the owner must have at least 5 years’ experience on the field. The minimum amount financed is $15k.



Minimum Financed:
$15,000-1,000,000+
Term length:
24-72 Months
Credit Decision:
2-3 Business Days
Required Time in Business:
2+ years or 5+ years of industry expertise

Two Party Transactions

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.

Capital Lease

CEFI owns the equipment lessor wishes to use and rent it for a specific period with a fixed monthly payment, report assets and loan on balance sheet, deducts interest expense and equipment depreciation. At the end of the rental period lessee purchase the equipment at a previously agreed upon price ($100 or bargain purchase option).

Operating Lease

CEFI owns the equipment lessor wishes to use and rent it for a specific period with low fixed monthly payment.
Lessee’s balance sheet is not impacted and claim lease payments as a capital expense.
At the end of the rental period 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 (FMT).
  • Return the equipment to CEFI
  • Return the equipment to CEFI and enter into a new agreement to rent new equipment

Sale Lease Back

CEFI purchases the equipment from your business and leases the equipment back to them. The original owner continues to use the equipment without disruption.

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