Challenged Credit Programs for Financial Partners

As a financial institution, turning away businesses due to challenged credits can hurt your bottom line. Rather than turning down challenged credit businesses, turn to NFS Leasing for help. We specialize in helping challenged credit businesses find the equipment financing they need with customized solutions.
“NFS has enabled Everyone Counts to keep up with emerging technology and provide the tools needed to bring modern election administration and voting systems to election officials. Their flexibility and knowledge of the technology industry sets them apart from the other leasing providers. They are responsive, easy to work with, and consummate professionals. I recommend them highly!”
– Rick Forry, Finance Manager
Don’t Turn Down Challenged Credit Businesses – Turn To NFS Leasing

Don’t Turn Down Challenged Credit Businesses – Turn to NFS Leasing

Provide an alternative solution to your challenged credit businesses that aren’t presently ready for traditional financing by partnering with NFS Leasing. NFS Leasing specializes in financing options for challenged credit businesses by providing customized solutions. Don’t leave your customers with an unmet financial need.

A partnership with NFS Leasing provides Banks and Asset Based Leasing companies support for their challenged credit clients by:

  • Mitigating the risk of customer loss that may arise when declining a challenged credit business requesting critical funding
  • Minimizing and reducing your credit exposure for your high-risk borrower
  • Supplementing funding gaps on larger projects that are beyond your comfort level
  • Supporting long-time customers with a worthy business story, where you are unable to extend further financial support

We want to partner with you. Contact NFS Leasing so we may provide you the opportunity to help those customers when, due to credit policies, you cannot approve their application.


NFS Leasing is always financing new challenged credit businesses. Check out more recent fundings here.



FMV Operating Leases

Lower up-front costs, lower monthly payments, multiple tax advantages may be available and up to 100% financing including “soft costs”.



Finance / $ Buy Out Leases

Enjoy benefits of ownership of the asset with exclusive right to use, purchase options and up to 100% financing of the asset and soft costs.



Sale and Leaseback

Monetize the equity in your recent equipment purchases to free up cash and lower your tax burden while still retaining use.



Working Capital Loans

Cover unexpected losses, take advantage of cash buyer benefits, last minute supplier discounts or whatever else is needed.



What is an equipment lease?

An equipment lease is a finance rental arrangement between an equipment owner (the lessor) and a business owner (the lessee). The lessee gets to use the equipment by paying the lessor monthly lease payments over a mutually agreed upon term length.

Why businesses Lease vs. Buy?

The principal motive for leasing equipment is cash flow ”the ability to get equipment now without a major one-time expenditure of cash.” This enables the business to better match expenses with revenue and protect against obsolescence.

Other businesses may prefer to lease because their tax situation is such that it cannot benefit from the depreciation. It may also wish to maintain a debt-equity ratio that will attract new investment more easily, and leasing (rather than investment) will accomplish that.

And, those companies engaged in rapidly evolving technological market, use leased equipment under short-term leases permitting it the opportunity to exchange new and better equipment more rapidly than would with ownership of a capital lease.

Who is NFS Leasing Inc.?

NFS is a privately held North American leader in Equipment Finance Leasing with more than 18 years experience. NFS provides solutions, supporting businesses and organizations with challenged credit including; early stage, start-up and pre-revenue, financially distressed and turn-arounds, NFS uses its own balance sheet capital and provides fast flexible decisions. We are a story credit lender. We want to hear your story.

What makes NFS Leasing unique?

The NFS Leasing Management Team understands the challenges of running a business and wants to help those struggling to secure critically needed financing. We are a creative and flexible financer. We want to hear your story. We are a trusted partner with exceptional listening skills. We will partner with you to provide creative financing solutions and structures for many non-traditional financing needs. We also consider other forms of collateral providing multiple options for financing. Tell us your story.

What size transactions does NFS Leasing support?

We fund transactions $100K – $15M. While a wide range, funding the under $1M supports various situations with new NFS customers and repeat customers. We listen to the big and smaller stories. Tell us your story.

What do I need to qualify for an equipment lease with NFS Leasing?

NFS has no hard and fast rules for making a credit decision. We want to hear the story of your business and will gather information to make an informed and flexible credit decision to help your company grow and achieve your objectives.

What types of leases are available from NFS Leasing?

NFS Leasing offers several types of equipment leasing. Including FMV Operating Leases, Finance/ Dollar Buy Out Lease, Sale Lease Back and Working Capital (secured by assets). NFS also offers creative structures including; Step Payment Leases (term), Quarterly/Annual Payment Options and short-term leases.

We work together as partners to determine the best financial solution. We take time to listen to your story and provide guidance and education on the lease types, terms and terminology. We view our partnerships as a collaboration and want to support your business situation.

Are lease payments eligible for an income tax write-off?

The equipment you lease may qualify for the Section 179 tax deduction. Through Section 179 a business can deduct the monthly payments from its taxable income. Not all types of equipment are eligible, and there are certain IRS requirements that need to be followed. Consult with your tax professional.

How do I get started?

Contact us here to tell us your story and discover how our creative financing solutions can help your company succeed.


  • Geography: United States and Canada
  • Transaction sizes from $100,000 to $15,000,000 or more
  • Terms: 12-72 months (depending on asset class)
  • Including Step Payments (term), Quarterly/Annual Payment Options and Short Term Leases

We are THE story lender. Tell us your story.

It is common for many businesses to undergo short term cash constraints. Whether large or small, early stage or established, private or public, NFS Leasing will listen to your story, understand your needs, and work with you to construct a financial solution that meets your unique business needs. CONTACT NFS LEASING and tell us your story.




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