| Case Studies
| Manufacturing Plant |
 Need: Operating Captial
Challenges: Bank withdrew 3 million dollar offer for working capital loan during peak of bank credit crisis. Company, relatively new and highly leveraged, unable to qualify for traditional financing leaving plant on the verge of complete shut down and unable to fulfill pending contracts.
Recommendation: Cash Out-Refinance on equipment through sale/leaseback based only on a 60 month lease term. Refinanced real estate on short term note for additional capital; which combined netted twice as much as the original 3 million dollar bank loan that was withdrawn. |
| Medical Data Storage Company |
 Need: Scanner, scanner software and new server.
Challenges: Established company growing so quickly it lacked cash flow and bank lines to accommodate cost of new equipment needed to service additional hospital contract.
Recommendation: First month payment only in advance enabling use of equipment to begin generating income, while preserving cash to hire personnel to operate 24/7. |
| Winery |
 Need: New automated filtration equipment to process more wine, more quickly, and free up time for personnel to perform other tasks.
Challenges: Vendor required 95% pre-funding, months prior to unit actually being used in operation; advance order was required in off season.
Recommendation: Pre-funding for the equipment vendor with first and last payment due from winery, enabling cash to be used for operations rather than be tied up in equipment not yet in service. |
| Not For Profit Home Healthcare Provider |
 Need: Laptop computers, new servers, and customized medical software.
Challenges: Outdated current system unable to be configured with new software and no funds available in budget year for new equipment.
Recommendation: 36 month Technology Rotation Lease whereby equipment payments were based only on the 36 month lease term, not the entire equipment cost. At the end of the term their options were to purchase some or all of the hardware at reduced fair market value or return it and purchase or lease new equipment. |
| High Density Mobile Storage Dealer |
 Need: Ability to provide payment options for quotes to federal, state and municipal agencies.
Challenges: Long sales cycle; difficulty with getting projects started due to budget considerations; slow payment while awaiting funding approval.
Recommendation: Customized payment stream options including quarterly and annual payments in arrears, beginning the following budget year. This approach requires only one years payment approval rather than entire equipment cost to be appropriated. Progress payments made to vendor and upon job completion they are 100% funded. |
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