(760) 203-4488
License #603J413

Equipment Financing

equipmentIf you need financing for equipment that you need for your business, JRG Capital Group, Inc. can help!

We have the experience you need to help you get the absolute best financial solution for your particular situation.

We help small, medium, and even large business obtain the capital that they need to expand their business and keep up with the latest technologies.

Our goal is to help companies like yours find a financial solutions that fits your particular situation and allow you to grow, without worrying about cash flow.

We have access to equipment leasing and finance programs that will fit almost any need. and we won’t make you jump through financial hoops to acquire the equipment you desperately need.

You can submit an application for up to $150,000 in equipment financing, with NO financial statements necessary.

We also offer middle market financing all the way up to $500,000 with little or no down payment.

If you need to move fast… we can normally obtain approvals within 24 hours. For larger ticket financing, it sometimes takes 3-5 days and we normally can get our clients terms of up to 84 months with fantastic rates.

Here are some of the programs we offer:

  • Startup Programs
  • Sale and Lease Back
  • Government & Municipal Leasing
  • B,C and D Credits

Startup Programs

Yes, it’s true that many lending institutions simply will not finance new companies.

But if this situation applies to you… JRG Capital Group may be able to help you get the financing your business needs to grow.

B, C and D Credits

Has your business suffered financially in these recent economic downturns? Has that caused your business or personal credit to become damaged?

JRG Capital Group has developed a “2nd Chance” Program to help companies in this particular situation. We may be able to structure a loan that will meet your financial needs so that you can rebuild your company. Contact us to find out more.

Government and Municipal Leasing

If you are a government or a municipal entity we may be able to provide lease financing with GUARANTEED APPROVAL. Of course, the interest rate would be determined by the rating of your government agency (or municipality).

Below is a partial list of the types of entities we can help under this program:

  • Federal Government Agencies
  • Armed Services
  • State Agencies
  • Public Schools
  • Police Department
  • Fire Houses
  • Libraries

Note: The list above  is just a sample of the many types of government entities we can help with financing. JRG Capital Group can finance any state or federally controlled entity.

Contact us for more information or so that we can discuss your specific situation and come up with a plan that will help you get the financing you require.

8 Reasons Why You Should Consider a Lease

#1 – Leasing is the right choice in a majority of the equipment procurement situations you encounter!
Did you know that leasing is one of the fastest growing ways that business acquire equipment today? It’s a fact that over 80% of U.S. businesses, (from small mom and pop businesses to Fortune 500 companies) lease at least some of the equipment that they procure.

If your business is growing you probably have cash flow issues and at the same time you need to add equipment so that your business can continue to grow. By leasing the equipment that you need (as opposed to purchasing it) you can get the equipment that you need without having to invest more capital and tie up more cash flow.

JRG Capital can help your company to lease virtually any type of equipment that you may need… including software and installation.

#2 – You can get lower monthly payments.
Typically, lease payments are lower than other payment methods.

#3 – You won’t need to tie up your capital.Construction equipment Why tie up your capital with equipment purchases when you can get the same equipment by leasing (with a lower capital outlay)?

That way you can conserve your capital to take care of unexpected expenses, future purchases, or to tide things over should revenues drop in the future.

#4 – You can lease equipment, but you cannot lease money!
When financing equipment, most lenders typically require high down payments (of up to 25%).

When you lease equipment, you normally only have to come up with 1 or 2 payments upfront and the lease covers 100% of the equipment’s cost. Leasing allows you to get immediate use of the equipment with minimal cash outlays.

#5 – You can conserve your existing lines of credit.
Why tie up an existing line of credit when you can lease. Did you know that leasing has no impact on your bank credit lines?

Lease today so that you can protect tomorrow’s borrowing power!

#6 -Leasing allows you to virtually eliminate equipment obsolescence
Equipment you need today could very well be obsolete in just a couple of years because of the rapid change of technology. When you lease equipment you are guaranteeing your ability to maintain flexibility when it comes to equipment usage.

This keeps your company competitive by allowing you to get today’s technology and later upgrade to newer technology when your equipment starts to become obsolete.

#7 – You can get fixed payments throughout the term of your lease.
Do you remember the 70s and 80s where interest rates skyrocketed from 9 to 20% in less than a year? Do you want to purchase equipment via bank lines of credit that rise and fall with often volatile interest rates?

With leasing, payments are fixed and cannot go up — no matter what the interest rates do.

#8 – You can get significant accounting and tax advantages by leasing instead of buying.
Eliminate the need for maintaining those confusing depreciation schedules. Lease payments are nothing but expense items on your P&L statement.

Additionally lease payments can normally be treated as pre-tax vs. post-tax, meaning that you end up paying less in taxes. Many people don’t realize that paying cash for equipment can automatically add sometimes 30-40% to the cost when you factor in the fact that cash = profits (and taxes are paid on profits).

Go over the 8 reasons again and you may come to the conclusion that leasing is the right choice for your business. It minimizes cash outlay, maximizes your cash flow, shelters you from market risks, helps keep your company competitive by eliminating equipment obsolescence, and helps you save on your taxes! Leasing may very well be the right choice for you!

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Member of NAELB

National Association of Equipment Leasing Brokers