Your Business Financing Partner
At Regents Capital, we want to be your equipment financing PARTNER; not just your provider. Regents is committed to taking on your financial realities as our responsibilities. We will work with you to help you overcome whatever challenges you face when securing capital for your business equipment needs. To that end…
We Promise you
Regents Capital Corporation specializes in delivering custom equipment financing solutions to businesses nationwide. Our finance professionals are focused on providing specific recommendations that meet your unique business needs.
Fixed rate financing offers protection from sudden and potentially significant increases in payments if interest rates rise.
Flexible terms allow you to adjust the length of your lease or loan to match the anticipated lifespan or utility of your asset(s). This enables you to achieve higher ROA and gain significant competitive advantages.
A capital lease mimics a purchase as it effectively captures the ownership of the asset but employs 100% financing; conserving cash up front.
True Tax Leases allow the business to “expense” each payment, rather than account for the equipment as an asset and depreciate it over 5 years. Also, the payment on a True Lease is usually lower than a Non Tax Lease, which preserves cash flow.
Unlike most banks, Regents wants to finance BOTH new and used equipment. We accept a broad range of used equipment as collateral (including financing of up to 100% of soft costs) – helping you conserve capital, cash in on dealer discounts and enjoy lower lease payments.
An equipment line of credit provides the benefits of our lease products and allows you to space equipment acquisitions over time. Funding can be committed for up to 12 months in advance with periodic takedowns (which can be matched to the equipment’s expected utilization time). You can even combine multiple invoices into a single advance.
Off-balance sheet financing (or GAAP operating lease) allows a company to record only the rental expense of the asset on it’s balance sheet rather than the full purchase price. This improves debt covenant ratios, reduces leverage which can improve equity position, and frees up capital for investments that may yield a higher ROI.
A terminal rental adjustment clause lease (TRAC Lease) combines all the advantages of leasing while retaining many of the upsides of ownership. When your TRAC Lease ends, you have the option to:
- Purchase the equipment at the end of the lease term at a pre-determined residual agreed to when the lease starts.
- Opt to continue to lease the equipment at a reduced rate with payments based on the residual value amount
- Simply return the equipment to Regents.
The first amendment lease gives you the option to purchase the equipment at one or more defined points (with a requirement that the you either renew or continue the lease if the purchase option is not exercised). At the end of the lease, you will have the option of purchasing the equipment at fair market value (or a specified price).
You can monetize the equity – up to 100% – in your equipment purchases (made within the last 12 months) with a sale leaseback. The primary benefit is that you retain use of the asset(s), lower your tax burden AND you now have the option to reinvest the newly acquired capital towards expansion, company expenses or other business needs.
Equipment Finance Agreements (EFA) have 3 distinct advantages over traditional bank loans:
- EFA is secured only by the specific equipment being financed or leased NOT all your present and future assets (unlike most bank loans)
- Most bank loans are not fixed rate but tied to market rates that may go up over the term of the loan.
- Many bank loans contain restrictive covenants that can inhibit your ability to borrow future funds when needed.
Express Financing requires no financials or tax returns for equipment acquisitions up to $150,000. Our “Application Only” program has no application fee and no annual fee. Our most popular program also offers flexible terms, competitive fixed rates, residual options and requires no additional collateral to secure financing.
A synthetic lease provides a number of benefits for the corporate client including improved financial ratios, up to 100% financing, and tax benefits (including deductions for both interest expense and depreciation).
Working capital loans (short-term loans) can help you pay for everyday business expenses such as rent, payroll and debt payments. We offer both unsecured and secured working capital loans. With unsecured loans, how you use the cash is up to you; approval of the loan is not conditional upon the uses for the loan. For example, these short term loans can also be used to cover unexpected losses, increased expenses, new employees, relocation of an office – whatever you need, when you need it.
Regents offers a variety of customized early buy-out options depending on your unique business needs. For example, if you are stuck in an equipment lease that is killing your bottom line, we can tailor a structure to match progress payments to cash flows; especially important for seasonal-based businesses and those wanting to achieve aggressive growth goals.
Let us help you deal with an unexpected demand or sudden need for short-term solutions with creative end-of-lease options for your existing lease structures.
Regents Capital Corporation
is an independent business equipment finance firm dedicated to delivering exceptional results to our clients nationwide.
Our team has over 100 years of experience within the business equipment finance industry with hundreds of millions of dollars of equipment finance transaction processed. Whether it’s a booming economy or the roughest of economic downturns, you can count on Regents Capital Corporation to meet your business equipment finance needs.
At Regents Capital, we know our people make us what we are. We are an innovative equipment finance company made up of exceptional employees. As a result, we have been named one of the Best Places to Work in Orange County 2016
If you seeking a long-term career path to grow with, apply today by emailing your resume to email@example.com
We have immediate openings for full-time entry-level and experienced sales positions in Costa Mesa, CA. and Austin, TX.
We are looking for individuals who possess the following:
- College degree from accredited college/university
- Entrepreneurial spirit
- Excellent written and verbal communication skills
- Competitive nature
- Problem solver
- Strong organizational skills with the ability to multitask
Gain knowledge and experience in:
- Structuring, pricing and negotiating finance and loan packages
- Developing strategic proposals to fully capitalize on opportunities
- Negotiating with clients, solving any problem and meeting deadlines
- Direct customer communication throughout transaction
- Customer prospecting and retention, generating incremental bussiness
- Achieving assigned sales targets
We aim to be the workplace of choice in the industry
Full-time positions with competitive salary + uncapped commission
Generous benefits with full health/vision + 401k plans
Progressive, entrepreneurial, culture + a generous PTO policy that values work/life balance