J&A Advantage Flexibility • We have the expertise to fund the most complicated leases, even those involving multiple vendors and locations with various installation and delivery dates. • Unlike equipment manufacturers, we offer complete freedom in selecting the equipment that best suits your needs. Customized Solutions • We provide lease terms and payments that help you optimize your cash flow. These include terms from 24 to 108 months and low initial payments or low payments at the end of term through customized structures. • You are able to customize a program to meet cyclical fluctuation requirements. Some leases allow you to skip one or more payments, an important feature for seasonal businesses. 100% Financing With leasing, there is no down payment requirement, meaning you have more money to invest in revenue generating activities. We also finance soft cost such as: installation, maintenance, training and consulting fees. Tax Treatment We provide the flexibility to structure transactions to meet your accounting and financial needs. Leases can be depreciated for tax purposes or recognized as rental expenses. We can assist you in selecting the right lease. Balance Sheet Management Banks often require covenants based on cash flow or balance sheet related financial ratios. Our lease options are designed to fit these situations, providing either on or off-balance sheet lease structures. Equipment We lease to all industries including agriculture, manufacturing, wholesale/distribution, medical, nonprofit, professional and retail. We finance all types of collateral from technology to heavy machinery. Cash Flow Unlike paying cash up front for a capital purchase, leasing matches the asset expense to its useful life. We make budgeting easier by providing fixed rate financing, which avoids floating rates tied to Prime or Libor fluctuations. Reliability Senior Management has been working together for more than 10 years, with over 70 years of combined experience in equipment and asset based financing. Since our inception in 1989, we have received numerous awards and commendations that are based on our success and our service. We are able to communication effectively and respond quickly to our clients because we have a centralized credit and documentation departments. Our finance specialists can help you select one of the many leasing and financing options available to best suit your company's financing goals. To learn more about what Jules and Associates, Inc. can offer your company, please contact us at: