U.S. Bank Business Equipment Financing

• Business Equipment Financing offers your business a competitive edge by minimizing tax liability, conserving credit and capital, and protecting against equipment obsolescence.
• We offer a convenient way to acquire the equipment your business needs, without all the hassles. In many cases, our application is all you'll need to apply.
• Moreover, approvals can be as fast as four business hours.

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	What Equipment Can Be Financed? Your business can acquire just about any type of equipment through U.S. Bank Business Equipment Financing, including: Audio/Visual equipment Agricultural equipment Commercial Vehicles (learn more) Computer equipment and software Construction equipment Forklifts and materials handling equipment Industrial equipment Laundry equipment Machine tool equipment Manufacturing equipment Medical equipment Office furniture and equipment (copiers, fax machines, etc.) Photo processing equipment Point-of-sale systems Printing presses and related equipment Restaurant equipment Telephone systems Tractors and trailers
	What Are the Advantages of Financing through U.S. Bank? U.S. Bank Business Equipment Financing offers your business these great benefits: Less impact on cash flow You can structure payments to parallel your cash flows. Our flexible payment structures can be great for seasonal or cyclical businesses that prefer to schedule payments during peak cash flow periods. Reduced paperwork and approval time - Most credit decisions can be made within four business hours. Transactions up to $150,000 require completion of a simple, one-page application. Conservation of capital and credit - Your lines of credit and sources of capital aren't tied up in equipment. Instead, they're available for opportunities such as inventory, marketing, or personnel. Immediate use of equipment - After signing your documents, you can contact the vendor to schedule delivery of your new equipment. It's that easy. Project basis use of equipment - By selecting a payment term that closely matches the project's duration, Business Equipment Financing is a good way to acquire the latest equipment without having to keep it when that project is complete. Our end-of-term options give you the flexibility to return the equipment, upgrade or keep the equipment for your next project. This way, you'll always be able to maintain a competitive edge by using the most advanced equipment to serve your clients. 100% financing, including soft costs - In addition to financing 100% of the equipment, you can include "soft" costs (up to 40% of the equipment cost) such as sales tax, shipping, software, training, maintenance and installation into one monthly payment. Protection against obsolescence - High tech equipment is often obsolete in two-to-four years. You can add upgrades and new equipment by modifying your agreement to keep your company on the leading edge. Plus, if you want to acquire complementary equipment (e.g., adding voice mail to a phone system), you can arrange for both payment schedules to end at the same time. Tax benefits - Several of our financing options allow you to deduct your monthly payments as an operating expense. Moreover, Business Equipment Financing may help your business avoid the Alternative Minimum Tax (AMT) or qualify for tax benefits under Section 179 (consult your tax advisor). Reduced interest rate risk - By locking in fixed payments now, you can avoid the risk of inflation in the future.
	What Financing Options are Available? Features $1 Buyout Option 10% Purchase Option Fair Market Value Option 10% Purchase Upon Termination Option End of term options Purchase for $1 Purchase at a percent of original price, renew lease,1 or return equipment Purchase at Fair Market Value, renew lease,1 or return equipment Purchase at 10% of original price, upgrade or renew equipment Can be structured to fit cash flow Yes Yes Yes Yes Equipment obsolescence protection No Yes Yes Yes Inclusion of "soft costs" Yes Yes Yes Yes Relative Cost of payments Low Lower Lowest Lower Tax advantages of ownership available Yes TBD by Equipment Type No Yes Allows upgrading/trade-ups Yes Yes Yes Yes Down payment required No No No No Capitalized on balance sheet, generally Yes TBD by Equipment Type No Yes Allows Co-Terminous Addenda (CTA) Yes Yes Yes Yes Available terms1 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months

For more information on how U.S. Bank Business Equipment Financing can help your business, call us toll-free at 877-677-4990.