Small Business Equipment Financing & Lines of Credit
Secure fixed-rate heavy equipment financing for up to one year in advance.
A Business Equipment Financing Line of Credit from Regents provides the benefits of our lease products, preserves low cost of funds, and allows you to space equipment acquisitions over time. Your funding can be committed for up to 12 months in advance with periodic take downs (which can be matched to the equipment’s expected utilization time). You can even combine multiple invoices into a single advance or capital equipment financing agreement.
Regents’ direct business equipment financing and funding capabilities, in conjunction with our broad array of credit portfolios, ensures your Business or Capital Equipment Financing Line of Credit will be established with low, fixed, long-term rates on favorable terms with the most advantageous structure tailored to your unique business needs.
Features & Benefits of Equipment Financing
Large, medium, & small business equipment financing
Lower Capital & Business Equipment Financing Costs
Lower capital equipment financing costs with no hidden charges, non-utilization fines or fees in the fine print. Converting variable debt to fixed rate financing hedges against inflation and rising interest rates as payments remain the same for the term of the contract.
Off-Balance Sheet Equipment Financing
With off-balance sheet equipment financing, qualifying payments on a Regents True Tax Lease are up to 100% deductible as an operating expense as opposed to only being able to deduct depreciation and interest.
Lower Payment Options for Your Small Business Equipment Financing
Lower costs with no hidden charges, non-utilization fines or fees in the fine print. Converting variable debt to fixed rate financing hedges against inflation and rising interest rates as payments remain the same for the term of the contract. That’s a huge benefit of working with one of the highest rated equipment leasing companies.
Regents Helps You Avoid Bank Restrictions with Capital Equipment Financing
Avoid blanket liens, restrictive covenants, rate escalator clauses, compensating balance requirements, or other typical surprises in traditional lending restrictions, all while improving financial and internal performance ratios. Our business and funding solutions work with you, not against you.
Regents Progress Payment Management
Our clients save time and upfront cash when Regents manages all of the invoicing and necessary progress payments. This increases efficiency and progress as well as helping to alleviate many vendor-induced headaches.
100% Financing Options for Your Business Equipment Needs
At Regents, we understand that financing may be needed for associated project costs including soft costs such as installation, design fees, software, delivery, training, etc. – costs that many banks cannot or will not cover. As a trusted equipment leasing company, we have 100% financing options for all of your business needs.
3 step process
Regents Capital streamlines the process to get your large, medium, or small business equipment financing faster
We review your financials and discuss operations, past transaction structuring and current business goals. This helps us to know more about your business, objectives, and your professional and heavy equipment financing needs.
We structure the transaction, and with approval by both parties, finalize all documentation. This makes the process clear and transparent – which is how we think it should be.
Regents funds the Equipment Financing Line of Credit and manages finance project scheduling and documentation to make it easier for you with a simpler, more streamlined process.
FREQUENTLY ASKED QUESTIONS
How do we fix rates on a drawdown?
Once the assets have been funded to the vendor or back to your company for existing assets (sale/leaseback), the rate is fixed for the term at drawdown based upon a spread over swaps.
How are the terms and structure addressed in our equipment financing line of credit?
As required, we set up Master Schedules to provide for different lengths of term (from 24 to 72 months), different residual amounts (lengthening or shortening amortization), and any other specific structuring requirements.
What about new, used or highly customized equipment financing?
Regents funds 100% of new equipment cost financing (+ most soft costs) and typically funds used and/or highly customized equipment up to 100% of FMV. We also offer up to 100% reimbursement for existing equipment purchases made within the last 12 months.
Can “soft costs” be included in our equipment financing line of credit?
Regents is typically able to finance all or most of the soft costs included in equipment transactions. Such soft costs include, but are not limited to, installation (services, foundation, electrical, piping, etc.), freight, software, training, engineering & design, etc.
WHo will service our account and be our point of contact?
Effective management of all transaction processes, schedules and documentation are provided by dedicated project teams that consist of an Account Executive, Account Manager, Documentation Manager, and Vice President of Credit as well as various specialists and administrative staff.
Do we need to qualify for each transaction we drawdown?
For most of our clients, there is no need to credit qualify for each drawdown once the Equipment Financing Line of Credit is established. In rare circumstances, such as an impending bankruptcy, a quick review of financials and approval may be required.
What type of business equipment financing can we secure through our line of credit?
We finance almost any type of equipment your business requires for its operations, including for example:
- Heavy Equipment Financing for Transportation – Titled vehicles, truck/trailer,
aircraft, GSE, rail, marine.
- Business Equipment Financing for Retail, Food, and Beverage – Food
processing lines, industrial kitchen appliances, packaging, store build-outs, POS
- Large and Small Business Equipment Financing for Manufacturing and
Processing – CNC, printing presses, metal forming and stamping, extrusion,
injection mold machines, waste processing, robotic, automated distribution
systems, material handling, etc.
- Industrial or Heavy Equipment Financing – Yellow iron, cranes, energy
production and services equipment, construction equipment, forklifts, etc.
- Technology Equipment Financing – Computers, servers, telecom, data centers,
enterprise software, medical equipment, test and monitoring equipment, etc.
This is by no means a comprehensive list. Give us a call at (888) 901-4207 to talk to us about the specific equipment financing needs of your business.
We have had the pleasure working with Regents Capital on multiple lease financing projects over the years. Their ability to finance our projects, including those with upwards of 50% soft costs continues to surprise us and surpass all others who have competed for our business in the past. Regents also secured funding for previous equipment purchases enabling us to hit our project deadlines; critical in our seasonal based business. Regents excels in project management often serving as our right hand by processing complex documentation, coordinating with our internal departments and multiple vendor management all while providing rapid funding. Many of the past projects commenced even before the equipment was delivered.
Our shared success has established a relationship of trust that extends well beyond business and we look forward to our future partnership with Regents.”
Chief Financial Officer
We have engaged Regents Capital on over 18 equipment financing projects to date and look forward to working with them through many more as we continue to expand across the US. We have found the Regents team to be thoroughly reliable and responsive to our many diverse business needs including processing literally hundreds of invoices from both newly commissioned and established vendors. Regents even rewrote schedules to support our unique financial reporting requirements and improve our D/E ratios.
Regents commitment to our company has been steadfast; as is our commitment to work together for many prosperous years to come. We wholeheartedly recommend Regents to anyone in need of equipment financing and exceptional client service.”
Chief Financial Officer
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.
Regents efficiency and excellent client services are highly valued in our organization and we look to partner with them on many projects in the future. We highly recommend their services to anyone in need of equipment financing and/or vendor management.”
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 Regent’s is a cut above the rest.
I greatly appreciate the structuring expertise, flexibility and service that both Regents extends to our company and recommend Regents as a truly exceptional and unique equipment financing partner.”
Regents has provided our company with outstanding service. We utilized their reimbursement program to monetize our recent equipment purchases applying the some of the new capital towards completion of our facilities security system. We were also able to lower our monthly payments, improve our liquidity and now have the dry powder we need to capitalize on growing demand from within the Construction industry.
We are very happy all around – no complaints. Regents will be the first I call the next time something comes through.”
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.”
Over the years Regents has provided us with exceptional project/vendor management, fantastic rates and very flexible terms. We’ve utilized their easy application program many times to quickly acquire equipment financing for a high number of low dollar valued assets that often need to be sent to multiple locations in a hurry. We trust Regents promise of rapid turnaround between us and our vendors and they always rise to the challenge.
While others may grow lax in customer service due to our many schedules and rapid funding requirements, Regents sees us as a client first and foremost. We value our relationship with Regents and expect to see many more transactions completed quickly and easily with them in the future.”
Chief Financial Officer
Partnering with Regents Capital allowed us to focus on running our business. They managed the vendor correspondence, coordinated delivery, and issued payments on our behalf. The ease of doing business and the swift funding process is what has earned our future business.”
We have looked to Regents Capital for their financial expertise on a variety of equipment financing projects. Regents allowed us differentiate ourselves from our competition by allowing us to take advantage of new technologies specific to our industry.
Not only did Regents provide exceptional project management and rapid funding, their competitive rates were also very much appreciated. We look forward to a long and rewarding partnership.”
I’m not really known to be much of a wordsmith, so I’ll not use too much fancy talk to tell you how wonderful the experience has been working with you two on this deal. You young ones have really impressed me. You guys have been quite a breath of fresh air as it goes in dealing with lenders aka bankers and the like. As I said before, I was so used to dealing in the “old” world of lending, dingy offices with old school people who obviously hate what they do. Those experiences have made coming to your company truly a very pleasant experience.
Great job and I’ll take you up on the beer.”