Thursday, July 20, 2017
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You are here Financing Basic Structure
 Basic Structures of Financing
EFA (Equipment Finance Agreement) is essentially a loan offering a fixed monthly payment that does not fluctuate with increases by the Federal Reserve. You own the equipment and we release our security interest at the end of the finance term. No blanket liens or compensating balances like a typical bank loan.
$1 Purchase Option (commonly referred to as a lease-purchase) offers a fixed monthly payment and you own the equipment at the end of the lease term for $1.
10% Purchase Option offers a fixed monthly payment as well as a fixed purchase option. Your end-of-lease options are to purchase the equipment at 10% of its original cost, renew the lease, or return the equipment to Crest. You may also apply to upgrade to new equipment.
FMV (Fair Market Value) Purchase Option offers the lowest fixed monthly payment, and payments are usually 100% tax deductible. At the end of the lease, you can purchase the equipment at fair market value, renew the lease, or return the equipment to Crest. You may also apply to upgrade to new equipment.
The above structures can be combined with the following plans:
Master Agreement allows additional equipment schedules to be added in the future, functioning as an Equipment Line of Credit.
Deferred Plans allow you to get equipment and software now without making payments for up to six months while the benefits of the equipment kick-in. Common deferral periods to choose from are 30, 60, 90, and 180- day periods.
Step-Up Plans afford you lower payments early in the finance term and higher payments later. One of Crest’s most popular programs requires only $100 at signing and $100 monthly payments for the first 6 months.
Seasonal Plans (Skip-Payments) provide for no monthly payments during seasonal businesses’ slow periods, matching payments with months when more cash is generated during the year.
Other structures are available. Crest Capital routinely accommodates Progress Payment requirements as well as other funding specifications to facilitate smooth transactions between buyers and sellers.

 Finance Solutions
Projects $5,000 & Up
Hardware, Software & Labor
Application Only - No Docs
Virtually Instant Approval
Instant Quote Tool

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 Benefits of Financing
Improves Cash Flow
Preserves Lines of Credit
Hedges Against Inflation
Simplifies Equipment Changes
100% Financing
Eliminates Hidden Charges
Excellent Rates
Saves on Taxes
Many Payment Programs

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