Realities | Results
Constraints Challenges & Solutions
Creativity Comes From Challenges & Constraints
We offer creative equipment financing solutions when you’re facing impending funding deadlines, bank covenants and restrictions, performance ratio reports and legal, regulatory or accounting constraints.
With over 100 years of collective experience in equipment financing, Regents has the deep institutional expertise to tailor solutions that solve whatever legal, regulatory, GAAP and tax accounting constraints you may face. We understand that internal performance ratios and project funding deadlines also apply pressures that financing with Regents can alleviate. Think of Regents as an additional resource when you’re up against your bank’s covenants or collateral constraints.
We offer a wide variety of financing solutions to your business challenges. Our ability to customize buyout terms, capital and operating leases, and TRAC and synthetic lease structures as well as traditional loans is featured in our client case studies shown below.
Manufacturing
Funding Deadlines
The client had a time-sensitive purchase as the owners of the company would be traveling internationally. In addition, the project stalled because the vendor required full payment to release the equipment. In order to keep the project moving forward, Regents was able to renegotiate terms with the vendor to ship without payment and get the documents signed in time.
“Regents Capital have proven themselves to be absolutely reliable and responsive to our unique business needs. They moved quickly to secure financing for essential equipment despite very tight deadlines and the need to negotiate vendor payment requirements on our behalf. Their professional persistence paid off for both our companies’ mutual benefit.
– Mandy C., President
Retail | Food | Beverage
Bank Covenants
Declined by multiple sources due to having exceeded leverage limits and other covenants, the client reached out to Regents.
Regents secured funding by reimbursing previous equipment purchases and compartmentalizing deals into smaller transactions. Regents batched vendor invoices, issuing purchase orders working on behalf of the client, which resulted in rapid funding and reduced exposure for the client.
Healthcare
Performance Ratios
Improving ROA and ROE performance ratios was critical to the successful refinancing of the client’s two previously funded contracts. Regent’s provided lower lease rates and more flexible terms for the client, enabling them to further secure an additional $1.2MM for expansion plans in the Atlantic Coast region.
Building again on that success, the client funded a 3-year term for software licenses with Regents effectively avoiding a straight purchase up-front cash outlay, which improved liquidity ratios and preserved cash for future projects with higher ROI potential.
Retail | Food | Beverage
Legal & Regulatory
“The ability to secure funding for both our hard and soft assets (including software, custom graphics and installation) with one financing company, Regents, has made my job so much easier. In addition, Regents’ expertise with complex documentation and assistance with meeting legal requirements is something you don’t fully appreciate until you are deep into the transaction. Having worked with many other financing companies over the years, I speak from experience when I say that Regents is a cut above the rest.
I greatly appreciate the structuring expertise, flexibility and service that Regents extends to our company and recommend Regents as a truly exceptional and unique equipment financing partner.”
– Art. T., Owner
Manufacturer | Lumber
Gaap/tax
Revisions
“As our industry has grown exponentially the past few years, we have looked to Regents Capital time and time again to provide the equipment financing we need to meet this demand. Regents ability to structure the terms and buyout options to our unique business needs, all while providing 100% financing (including heavy soft costs) is exceptional. Regents’ project management was impressive as well, processing many invoices, and managing multiple vendors and payment schedules.
We very much appreciate Regents responsiveness, flexibility and attention to detail and highly recommend their services.”
-John M., President”