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.
Our financing options are:
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.
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).
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:
Conserve cash by choosing the financing product that accommodate your business’s needs and objectives.
Financing and leasing allows businesses to reduce the amount of operating capital used for equipment purchases.
Leases provides protection from equipment obsolescence. Renew the lease, return the equipment or purchase new equipment at the end of the lease term.
Depending on the financing agreement, monthly payments may be deductible and financing off-balance sheet.
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650 Luis Muñoz Rivera Ave. Suite 101 (Hato Rey - Monte Mall) San Juan, Puerto Rico