How it works?

We finance or lease commercial equipment for companies that have been operating for at least 2 years or if the owner has 5+ years of industry experience. The minimum amount financed is $15,000.

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

Industry Solutions

We finance or lease commercial equipment for companies that have been running for at least 2 years or the owner has at least 5 years experience on the industry. The minimum amount financed is $15,000 and the maximum amount is $1,000,000 but could be higher depending on the equipment to be financed.

  • Hospitals
  • Homecare Equipment
  • Clinical Laboratory
  • Healthcare Information Systems
  • Cardiology
  • Ophthalmic
  • Dental
  • Optometric
  • Dermatology
  • Surgical
  • Veterinary

Health Care

  • Excavators
  • Dozers & Pavers
  • Back Hoes
  • Structural Steel Erection
  • Compactors
  • Wrecking & Demolition
  • Scrapers
  • Asphalt Production
  • Loaders
  • Generators

Construction

  • IT Servers
  • Printers
  • Solar Panels
  • Commercial Lightning
  • Digitizers
  • Notebooks, Computers & Laptops
  • Scanners
  • Telephone Lines
  • Projectors
  • Workstations

Technology

  • Forklifts
  • Aerial Lift
  • Scissors Lift
  • Production Lines
  • Bottling
  • Bottle Making
  • Packaging Equipment
  • Cranes

Manufacturing

  • Trucks
  • Trailers
  • Company Fleet Vehicle
  • Cargo Van
  • Fuel Companies

Transportation

  • Tractors
  • Combines
  • Irrigation System Attachments
  • Food Processing
  • Harvesting Machinery
  • Milking
  • Seed Drill
  • Planter

Agriculture

  • Solar Panels
  • LED Lightning
  • UVPrinters

Energy

Financing Options

Our financing options are:


Two Party Transactions

The borrower holds legal title to the equipment, enters a contract with CEFI to repay the principal balance and pledges the equipment as collateral. Borrower reports assets and loan on balance sheet, deducts interest expense and equipment depreciation.

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 loan on balance sheet, deducts interest expense and equipment depreciation. At the end of the rental period, lessee purchases the equipment from CEFI at a previously agreed upon price ($100).

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. 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 (FMV).
  • Return the equipment to CEFI
  • Return the equipment to CEFI and enter into a new agreement to rent new equipment.

Sale Leaseback

Flexible Terms

Conserve cash by choosing the financing product that accommodate your business’s needs and objectives.

Preservation of Capital

Financing and leasing allows businesses to reduce the amount of operating capital used for equipment purchases.

Obsolescence Management

Leases provides protection from equipment obsolescence. Renew the lease, return the equipment or purchase new equipment at the end of the lease term.

Tax Advantages

Depending on the financing agreement, monthly payments may be deductible and financing off-balance sheet.


Request a Quote

For a quick quote, fill out the following information.


Newsletter Sign-Up

Our newsletter provides relevant business news and information. Sign up now!

Please enter valid email
Please enter your name