Equipment Finance Solutions for
Challenged Credit Businesses

NFS accommodates all types of unique situations and businesses across the U.S. and Canada to give you the best possible equipment finance solution based on your needs. Whether that is fast equipment financing because you are on a timeline, or flexible and creative equipment financing because you are looking to free up your businesses cash flow. Whatever your story is, NFS wants to hear it and will do all that it can to finance your equipment needs.
“Grooveshark has been working with NFS Leasing for close to 3 years. We started looking for lease financing at a very early stage in our company’s history, and although we were a small young company, NFS took the time to listen to our story and provided much needed IT leasing at the time. NFS played an integral part in our initial growth phase, and much of the equipment we leased from NFS formed the backbone for what today is a music streaming service with 30 million users.”

Colin Hostert, CIO & CISO

Skyscrapers

Transform Your Company with Fast, Flexible Equipment Financing

Unlock your business potential by securing the right commercial equipment financing. NFS Leasing is a privately held leader in Equipment Finance across the U.S. and Canada with nearly two decades of experience. Our experienced management team will take time to listen to your story to provide you with a fast equipment finance solution.

Whether yours is a start-up company, pre-revenue company, or a company in a turnaround phase, NFS Leasing will consider your leasing request. NFS Leasing uses its own capital and makes in-house credit decisions to help companies grow and thrive.

Having helped a wide array of corporations grow for nearly two decades, we are approaching $1,000,000,000 in lease originations, and have unique capabilities for those customers with challenged credit (C, D, and Storied Credits). We want to hear your story. Contact us to learn more on how NFS Leasing can help your company reach its full potential with equipment financing.

SAMPLE CLIENT FUNDINGS

NFS Leasing has completed many fast equipment financing transactions recently. Check them out here.

LEASE SCENARIOS

NFS Leasing FMV Operating Leases

FMV Operating Leases

Lower up-front costs, lower monthly payments, multiple tax advantages may be available and up to 100% financing including “soft costs”.
NFS Leasing Finance Buy Out Leases 1

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.
NFS Leasing Sale and Leaseback 1

Sale and Leaseback

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

Working Capital Loans

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

NFS Financing at a Glance

  • Geography: United States and Canada
  • Transaction Sizes:
  • Small-Ticket Program: $25K – $150K
  • Mid-Large Ticket: Up to $15M
  • Terms: 12-84 months (pending asset class)
  • Creative Structures: Including Step Payments (term), Quarterly/Annual Payment Options, and Short-Term Leases
  • Asset Class/Industries: Most hard assets but most commonly we lease: IT, Medical Imaging, Scientific Instrumentation, Manufacturing, Print Production, Construction, Agricultural, Machine Tools. Most industries except for: Weapons, Adult Entertainment, Marine and Aircrafts, Cannabis in U.S. (will look at Cannabis in Canada).

Frequently asked questions

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.
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.
NFS is a privately-held North American leader in Equipment Finance Leasing with nearly two decades of experience. NFS provides solutions, supporting businesses and organizations with challenged credit including; start-up, pre-revenue, financially distressed and turnaround companies, NFS uses its own balance sheet capital and provides fast, flexible decisions. We are a story credit lender. We want to hear your story.
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.
We fund transactions from $25K – $150K (small-ticket program) and up to $15M (flexible custom solutions). While a wide range, funding the under $1M supports various situations with new NFS customers and repeat customers.
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.
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.
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.

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

Transform Your Company With Flexible Finance

We want to hear your customers’ story.

Unlock your business potential by securing the right funding. Whether yours is a start-up company, pre-revenue, or a company in a turnaround phase, NFS Leasing will consider your leasing request. NFS Leasing uses its own capital and makes in-house credit decisions to help corporations grow and thrive.

We are THE story lender
Tell us your story

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Years In Business & Over 300 Years
Combined Management Expertise

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Over 5,000
Clients & Partners*

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Approaching $1 Billion
In Total Lease Originations

It is common for many businesses to undergo cash constraints due to challenged credit. Whether large, small, established, private or public, cash constraints, including challenged credit, 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.

A FMV lease is an Equipment lease where the lessee has the option to either extend the lease, buy the asset at the end of the lease term at the then fair market value, or return the asset to the leasing company.
FMV Leases have lower up-front costs, lower monthly payments and multiple tax advantages. Technically, the lessee does not own the equipment. In an FMV Lease, the lessee can finance up to 100% of the cost of the equipment including “soft costs” (transportation, delivery, installation and other deferred costs).

The payment is usually lower than a Capital Lease (which preserves cash flow) and also allows the business to deduct qualifying lease payments as operating expenses. An NFS FMV Lease includes Skip Payment Leases and Step Payment Leases. These leases can be tailored with flexible structures, tax advantages and end-of-term buyout options including lease extensions, return or purchase of equipment at fair market value.

  • Often most affordable, flexible lease type
  • A fixed monthly payment with little or no upfront costs
  • 100% financing may be available
  • Often used when a company does not want to retain the equipment at the end
  • Can help manage the cost of continuous upgrades and maintenance issues
  • May have significant tax and accounting benefits

Finance / $ Buy Out Leases are similar to traditional loan purchases as it effectively captures the ownership of the asset with exclusive right to use and purchase options but also offers 100% financing; conserving cash up front for other projects with higher ROI potential. Technically, the lessee owns the equipment. If long-term equipment ownership is your goal, then a Finance / $ Buy Out Lease is an excellent choice.

Payments are fixed and as equipment owner, you can depreciate the equipment and even take advantage of Section 179 incentives and Bonus Depreciation. NFS Finance / $ Buy Out Leases are a good 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.

  • Often used for equipment that retains its value over time
  • Has a set lease term and fixed monthly payments
  • Equipment ownership is often transferred to the lessee
  • Equipment appears on the balance sheet as company assets
  • Often used when a company does not want to retain the equipment at the end
  • For tax purposes, using Section 179, it may be possible to deduct as a business expense
  • At the end of the lease term, the lessee purchases the equipment for $1

A sale leaseback is when NFS purchases equipment that a company owns and then leases it directly back to the company.

With an NFS Sale and Leaseback, you can monetize the equity in the owned assets up to 80% of the fair market value of the owned assets. 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 in order 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. Regardless of architecture, rest assured that your transaction will be funded quickly with flexible terms and a custom solution from NFS Leasing.

  • Often used when a company needs to generate cash/capital
  • Typically, has longer terms and lower payments
  • Can borrow up to 80% of the value of asset
  • Retain control and operation of the equipment for duration of lease with few or no restrictions
  • May provide tax benefits

Simply put, Working Capital is the amount of funds a company needs for meeting day-to-day operations of a concern. Most major new projects, such as an expansion in production or entering into new markets, require a working capital investment. That reduces cash flow and can in turn jeopardize meeting the day-to-day business operations. Working Capital Financing can provide the solution.

NFS Working Capital Financing is secured only by the specific asset being financed, not all the present or future assets. Within these structures, the borrower is the title holder and NFS Leasing is a lienholder on the financed equipment. Advantages can include fixed rates for the full term; not tied to market rates that may rise over the term of the loan.

Working Capital Financing also have no covenants that, unlike most bank loans, allow you to borrow future funds when needed. Businesses who prefer retaining ownership during the life cycle of the transaction favor Working Capital Financing. These also offer tax advantages as the equipment may be depreciated on the business’s balance sheet and the business may be able to deduct the interest expense as well.

  • Fixed financing that is blended covering the equipment and the working capital
  • Simplified budgeting with predictable payments
  • Receive the working capital at the time of equipment funding
  • Unrestricted use of funds within your business