Equipment Loans and Leasing

People's Capital and Leasing offers vast experience and knowledge in all aspects of equipment financing, equipment leasing, and investment banking.

People's Capital and Leasing is a nationally ranked top fifty equipment finance company, headquartered in Waterbury, Connecticut. People's Capital and Leasing lends in the forty-eight contiguous states and has regional offices in Atlanta, Georgia, Dallas, Texas, Kansas City, Missouri, Bloomington, Minnesota, Carmel, California, Fayetteville, Georgia, Newport Beach, California, and Pinson, Alabama. Let our professionals with industry expertise and experience tailor creative solutions that optimize the economic benefit from planned financing activity.

We assist companies in acquiring new and used equipment, and in restructuring existing financing to minimize interest expense, conserve cash flow and properly reflect all tax considerations.

Our activity is focused on transactions over two-hundred fifty thousand which is repayble in three to ten years.

Industry Expertise in:

• Graphic Arts
• Packaging
• Manufacturing and Production Equipment
• Transportation
• Construction
• Plastics
• Medical
• Communications

Products Offered:

• Secured Loans And Finance Leases
• Operating Leases
• Synthetic Leases
• SBA and IRB Financing
• Vendor Program Financing
• Fixed and Floating Rates

Secured Loans And Finance Leases
We specialize in providing capital loans and finance leases on acquisitions of new and used equipment as well as creatively restructuring existing equipment financings. These financings are done either in conjunction with a vendor program and/or with our customers directly.

Operating Leases
If equipment purchases are to be financed using “off-balance sheet” criteria, we can help you structure the transaction in order to conform with Financial Accounting Standards Board and Internal Revenue Service criteria.

Synthetic Leases
Although the criteria for an operating lease are defined using quantitative methods (per the Financial Accounting Standards Board and for financial statement presentation), the IRS criteria rely on general economic risk and reward criteria. We can work with our customers and their tax consultants to structure a synthetic lease so that the customer may enjoy operating leases for GAAP financial presentations and still claim accelerated depreciation for tax purposes.

SBA and IRB Financing
People's Capital and Leasing also has expertise in using various Small Business Administration financing programs and Industrial Development and Revenue Bond structures to best suit your company's capital requirements. Use of these programs can result in enhanced full-term cash flow due to longer repayment terms and lower interest expense as compared to non-program financing.

Fixed and Floating Rates
Our financings can also be tailored on a variable or fixed interest rate basis. Unlike many finance companies, we can lock in your fixed rate upon credit approval and hold that rate until the equipment is delivered. We can also index the rate using various economic indicators.

Vendor Program Financing
People's Capital and Leasing offers fully customized vendor/manufacturer programs. The benefits of specially tailored financing programs are increased sales, the ability to facilitate customer upgrading of equipment, and strengthened customer/vendor relationships.