While traditional equipment finance companies may avoid writing leases or loans to customers with C, D, or story credits, NFS Leasing sees the opportunity and provides a solution for its vendor and manufacturer partners in serving those customers.
NFS provides capital equipment financing to customers across the U.S. and Canada in industries such as healthcare, construction, manufacturing, IT and more. NFS works with vendors to increase their sales, generate incremental revenue and augment existing leasing partnerships.
If you are a vendor looking to transform your business by finding the right capital equipment financing for your non-investment grade credit customers, look no further than NFS Leasing and its creative vendor partner programs.
"From the beginning, NFS Leasing has been an invaluable asset in helping us serve our customers. Their team of experienced executives has enabled our channel oriented business model, and they are an outstanding partner, offering flexible and creative solutions to our financing needs. It has been a pleasure working with NFS and we look forward to their assistance in providing our future finance needs."
Brian Hierholzer, President - Developer
Many vendors are challenged when trying to obtain capital equipment financing for their customers with less than perfect credit. NFS Leasing specializes in working with customers that do not qualify for traditional equipment financing whether the customer is an emerging company or one that currently faces financial challenges.
NFS Leasing delivers customized capital equipment financing programs to help our vendor partners increase sales in their competitive marketplaces. NFS’s senior finance experts work to create programs that speed selling cycles, remove obstacles and grow the business, all while taking the time to carefully consider the strategic goals of the end-user customer.
With a focus on generating incremental revenue from customers that need growth capital but may not have access to traditional equipment financing, NFS works with a wide range of vendors including:
Sports Training
$271,034
Synthetic Ice Hockey System
World class hockey trainer needed state of the art equipment
Construction
$603,400
Peterbilt Trucks and Mixers
Gunite pool start-up finances essential equipment
Transportation
$40,000
Reefer Trailer
Veterinary Services
Varian Medical Systems
Architectural Glass Manufacturing
$2,084,270
Healthcare
$2,263,044
MRI Systems
Retail Glass Manufacturing
$1,989,718
Toho Cranes and Drilling Machines
Expanded operations required rapid funding for PE-backed portfoilio
Technology
$1,970,000
Servers and Storage Arrays
Multi-National with many regulatory and security requirements
Construction
$1,284,304
Industrial Screen Feeders & Towers
Financing used collateral with low residual value
Retail Glass Manufacturing
$1,514,756
Laser, Coating & Sputtering Machines
Multiple schedules with extensive documentation and vendor management
Healthcare Provider
$1,588,174
Siemens DX Automation
Competitive financing despite high debt-to-equity ratio & covenant concerns
Healthcare Provider
$1,851,250
Hitachi Imaging Equipment
Multiple schedules, heavy documentation & internal department coordination
Healthcare Provider
$1,348,742
Zimmer Biomet, IT and Soft Cost
Custom structure with flexible end-of-term options
Technology Manufacturing
$1,276,638
Circuit Printers, Lasers & Soft Costs
Fast approval to fund government contract in pre-revenue phase
Healthcare Provider
$1,268,986
Mass Spectrometer Genomic Analyzer
Debt restructuring and challenging credit in highly regulated industry
Construction
$1,450,000
Sany and Powerscreen
Rapid growth required new equipment & additional cash flow
Video Marketing Agency
$1,405,963
Dell Servers, Blades and Soft Costs
Referral client needing 100% financing to preserve working capital
Technology Services
$1,445,377
IT Hardware & Software
Custom end-of-term buyout options & 100% financing to preserve cash
Global Legal Services
$1,105,455
IT Hardware & Software
Exceed referral recommendation with flexible buyout options
Waste Management
$1,101,219
Conveyors & Shredders
Maximize EBITDA and conserve dry powder for PE-backed portfolio
Technology
$1,020,537
Apple MacBooks and iPads
High volume of low residual value collateral & soft costs
Automotive Manufacturing
$541,125
Manufacturing Equipment
Rapid growth required an additional facility & equipment
Copper Mining
$725,520
IT Systems & Railcar Movers
Equipment was needed to begin production on schedule
CPG Packaging
$725,114
Carbonated Filler & Manufacturing Equipment
Increased production required new equipment to meet needs
Underground Construction
$150,563
Vermeer Construction Equipment
Early stage company required equipment to complete 2-year project
Software
$224,643
Cloud Storage Software & Licenses
Hospital IT service provider required licenses to fullfill needs
Coal Mining
$106,015
Trucks & Undercarriage
Taking over existing surface mine & heavy equipment is needed
Electrical Manufacturing
$3,100,000
Real Estate Buyout & Working Capital
Working capital was needed in order to meet productivity standards
Transportation
$71,000
2018 International LT
Highwall Mining
$1,500,000
ADDCAR & Working Capital
Rapid growth required new equipment & additional cash flow
Custom Manufacturing
$3,092,500
Manufacturing Equipment
Production growth required equipment with cusotm finance solution
Healthcare
$2,989,632
Hitachi Medical Imaging &
Working Capital
Community hospital required equipent to treat patients adequately
Rocket Manufacturing
$498,000
Selective Laser Melting Machine
Needed to manufacture critical components on expedited timetable
Scrap Metal Manufacturing
$8,277,000
Tractors, Blenders & Other Equipment
Funding required to purchase materials needed to expand
Healthcare
$2,112,00
Healthcare
$82,375
Start-up Restaurant
Hotel Management
$411,831
Samsung 55″ TV’s
Early stage client required
fast funding
Healthcare Provider
$4,888,657
GE, Medical & Imaging Equipment
Highly specialized assets with complex organization approval process
IT
$754,982
Dell
Cloud provider needed
equipment to scale
Manufacturing
$3,000,000
Presses and Extruders
Custom finance structure for plastics manufacturer
Food Processing
$395,078
Pump Fillers & Power Conveyor
New contract required equipment to meet demand
Metals Manufacturing
$4,240,00
Provide competitive rates despite negative EBITDA & bank covenants
Transportation
$1,734,201
1000+ Mopeds & Soft Costs
Rapid expansion of technology start-up in emerging market venture
Manufacturing
$1,565,593
Metal Cutter & Soft Costs
Improve cash flow with lower monthly payments and 100% financing
Chemical Manufacturing
$3,211,339
Pressure Tanks
Custom complex structure and financial modeling expertise
Construction
$1,654,545
Scaffolding Units and Soft Costs
Custom structure req’ts, numerous vendors and significant soft costs
Healthcare Provider
$1,507,295
Hitachi MRI, IT & installations/training
Extensive project management with strict legal & regulatory req’ts
Food & Beverage Manufacturing
$1,469,979
Bottling & Assembly Line
Embedded collateral & funding delivery & installation expenses
NFS Leasing has completed many fast equipment financing transactions recently. Check them out here.
Contact us here to tell us your story and discover how our creative financing solutions can help your company succeed.
It is common for many businesses to undergo cash constraints. Whether emerging or established, private or public, cash constraints can arise. NFS Leasing is here to help and will listen to your story, understand your needs, and work with you to construct a custom equipment finance solution that meets your needs.
Contact NFS Leasing and tell us your story.
NFS Leasing is a privately-held independent equipment finance leader with more than 15 years of experience. NFS provides equipment financing and secured loans to small and middle-market non-investment grade companies in the U.S. and Canada.
NFS uses its own balance sheet capital and provides fast, flexible customized solutions to help customers achieve their goals. NFS Leasing is proud to have created thousands of jobs and infused over $1,000,000,000 of capital into businesses.
We are THE story lender
Tell us your story
We understand that behind your financial statements, or those of your client, is a real business with real people and real potential. At NFS Leasing, we want to provide fast, flexible equipment financing to enable companies to thrive.
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*This number is based on averages over
the years, not an exact number.
A FMV lease is an equipment lease that provides flexibility to the lessee at the end of the lease term to extend the lease term, buy the asset outright at the then fair market value, or return the asset to the leasing company.
Compared to a $1 buyout capital lease, FMV leases typically have lower up-front costs, lower monthly payments and potentially significant tax advantages. Under the FMV lease, the lessor retains title to the equipment and the lessee does not own the equipment. In an FMV lease, the lessee may finance up to 100% of the cost of the equipment including “soft costs” (e.g., transportation, delivery, installation and other deferred costs).
$1 buyouts are different than FMV leases in many ways, including the customer’s ability to hold ownership of the asset with exclusive right to use and purchase options. $1 buyouts offered by NFS often include 100% financing of the asset, which allows the company to conserve cash up front for other projects with higher ROI potential. With $1 buyouts, the lessee owns the equipment subject to the lessor’s lease interest analogous to a secured financing. A $1 buyout lease is an excellent choice if a company is interested in long term equipment ownership.
Payments under a $1 buyout are fixed and as equipment owner, the company may depreciate the value of the equipment and potentially take advantage of IRS Section 179 incentives and Bonus Depreciation. $1 buyouts are an effective option for financing equipment with a long useful life (such as yellow iron, manufacturing machinery, warehousing and racking, etc.) as the equipment may be depreciated on your balance sheet, and you may be able to deduct the interest expenses from your taxes. See your tax consultant for details.
A sale leaseback is when the lessor purchases equipment that a company owns and then leases it directly back to the company.
A sale leaseback allows you to monetize the equity in the owned assets which could be as much as 80% of the fair market value of the asset. This is useful when a company needs to use the cash invested in an asset for other investments (where a higher rate of return can be generated), but the asset is still needed to operate their business. This provides the company immediate cash and then at the end of the term, the company may own the equipment outright again.
A sale leaseback can provide the opportunity to reinvest the newly acquired capital towards expansion, company expenses, purchasing inventory or many other business needs. Reimbursements can be structured as a lease or a loan depending on your unique business needs.
An asset based loan is a financing approach to access equity a company may have built up in its business assets and convert such equity into working capital for immediate day-to-day operations and/or growth opportunities. Significant new projects, such as an expansion in production or entering new markets, require investment. Investment into new projects or initiatives reduces cash flow. An ABL is a viable solution to service cash flow needs.
Any business with assets can apply for an asset based term loan. The company retains title in the assets and pledges those assets to the lender as collateral for the loan. Depending on the company’s credit profile, the lender may require additional credit support for the company’s obligations under the loan. Advantages include fixed interest rates for the full term that are not tied to variable market rates and continued use of the pledged assets during repayment of the loan.
NFS offers asset based loans collateralized by business assets, including owned and unencumbered equipment and real estate. For customers requiring creative solutions, NFS may consider additional credit support through pledged cash accounts or marketable securities, and through warrants, revenue sharing, royalty agreements, or other considerations.
Businesses who are looking to utilize the equity built up in company assets and who prefer retaining ownership during the life cycle of the transaction, favor asset based loans.