Compare Your Options

Loan

Finance
Lease

Operating
Lease

Working
Capital Loan

Revolving
Line of Credit

Who has ownership?

You do, at the end of the contract

You do, but you have the option to return at lease-end

We do, but you have the option to purchase at lease-end

You have immediate access to cash for any business need

You can access funds quickly with a simple request

Am I building equity?

Yes, faster than a finance lease

Yes, but slower than a loan

No

No

No

Who benefits from tax depreciation?

You do

You do

We do

N/A

N/A

How high or low is my monthly payment?

Higher

Lower

Lowest

N/A

N/A

What is the purchase option?

N/A

A bargain option to reduce your payment

Predetermined fair market value

N/A

N/A

Is there contract flexibility?

Yes

Yes

Some

Yes

Yes

Are there early payoff restrictions?

No

No

Some

N/A

N/A

Who pays personal property tax?

You do (varies by state)

You do (varies by state)

We do, then invoice you

N/A

N/A

Where can I learn more?

Financing Options

Financing Options

Financing Options

Financing Options

Cat Card Program