Regents offers a full line of financing solutions that solve the many challenges our clients face. We offer creative financing with everything from leases that combine both rental and ownership benefits, to bridge loans that span seasonal shortfalls, to 100% reimbursements that turn past equipment purchases into capital for growth.
A summary of each service is outlined below but as every business needs are unique, so must be each solution. At Regents, we will tailor each transaction to turn whatever financing realities you face into results that move you forward.
EQUIPMENT LINE OF CREDIT
An Equipment Line of Credit with Regents 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. Explore more features and benefits of Equipment Lines of Credit here.
Capital Leases mimic 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. If long-term equipment ownership is your goal then a capital lease with a buyout purchase option 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. Explore more features and benefits of Capital Leases here.
TRUE TAX LEASES
True Tax Leases have lower up-front costs, lower monthly payments and multiple tax advantages. A True Tax Lease can finance up to 100% of the cost of the equipment including “soft costs” (transportation, delivery, installation and other deferred costs). The payment on a True Tax Lease is usually lower than a Non-Tax Lease (which preserves cash flow.) and also allows the business to deduct qualifying lease payments*. Explore more features and benefits of True Tax Leases here.
EQUIPMENT FINANCE AGREEMENTS
An Equipment Finance Agreement (EFA) with Regents is treated as a loan where the borrower is the title holder and Regents is a lien holder on the financed equipment. An EFA has 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.
Explore more features and benefits of Equipment Finance Agreements here.
A terminal rental adjustment clause lease (TRAC) 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, or
- Opt to continue to lease the equipment at a reduced rate with payments based on the residual value amount, or
- Simply return the equipment to Regents.
Explore more features and benefits of TRAC Leases here.
In its simplest form, a synthetic lease is a type of off-balance-sheet financing that provides a number of benefits for Regents’ corporate clients, including enhanced financial ratio performance; as much as 100 percent financing with competitive pricing; and tax benefits, including deductions for both lease payments (as operating expenses) and interest expense and depreciation (similar to a capital lease) if exercising the fixed price purchase option (FPO). Explore more features and benefits of Synthetic Leases here.
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. Explore more features and benefits of 100% Reimbursements here.
WORKING CAPITAL LOANS
Working capital 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. Explore more features and benefits of Working Capital Loans here.
* Be sure to consult your tax and legal advisers to determine the most tax-beneficial lease for your specific situation.
Who We Are
Regents Capital Corporation is a national equipment leasing and financing company dedicated to delivering exceptional results to our clients nationwide. With a combined 100 years of experience and over $150 million in equipment finance transactions processed, we can tailor solutions to fit your business needs.
Chief Executive Officer, Don Hansen and President, Dennis Odiorne and have more than 35 years of experience in banking, equipment finance, capital market management and debt syndication. Hansen serves as a member of the ELFA Independent Middle Market Business Council Steering Committee and is a former Mayor of Huntington Beach, CA. In 2016, Regents Capital received the “Best Places To Work In Orange County” award from the Orange County Business Journal.
At Regents Capital, we want to be your equipment financing PARTNER, not just your provider. We are committed to taking on your financial realities as our own responsibilities. We will work with you to help overcome whatever challenge you face when securing capital for your business equipment.
At Regents Capital, your reality is our responsibility.
Our clients range in size across countless industries. We have established deep expertise in providing financing solutions to middle market firms with annual revenues from $10 million to $250 million.
Regents Capital specializes in delivering custom equipment financing solutions to businesses. Our finance professionals are focused on providing specific recommendations that meet your unique business needs. We offer the following financing solutions:
Equipment Line of Credit
Equipment Leases – Capital Lease, True Lease
Equipment Finance Agreements
TRAC and Synthetic Leases
Working Capital Loans
Our finance professionals are eager to turn your equipment financing realities into results. Give us a call at 888.901.4207 or complete the short form below.