Industries Served & Equipment Financed
Jules and Associates is an Independent Equipment Financing and Leasing Firm lending to all industries including Food Services, Legal, Manufacturing, Medical, Not for Profit, Retail, Universities, and Wholesale/Distribution, since 1989. With our team of Account Executives’ specialization within those fields, our primary goal is to build long-term relationships with our clients, not only by providing aggressive pricing and flexible structures, but by also serving as finance consultants and closely guiding our clients throughout the entire finance process. At Jules, we finance all types of collateral from heavy machinery to technology, vehicles, and FF&E (furniture, fixtures and electric), etc.
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.
We provide lease terms and payments that help you optimize your cash flow. These include terms from 24 to 108 months with low monthly payments and/or low end of term buyouts 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.
With leasing, there is no down payment requirement, meaning you have more money to invest in revenue generating activities.
We also finance soft costs such as: installation, maintenance, training and consulting fees.
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 place 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.
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.
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 service. We are able to communicate effectively and respond quickly to our clients thanks to our 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.