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FAQ

FAQ

A lease is an arrangement for you to, basically, rent equipment for a specific amount of time. At the end of that time, you can return the equipment and the payments are over. With some leases, you have the option of purchasing the equipment for a greatly reduced price.

Any company, association, organization or municipality (city, county, state and federal government) can arrange to lease with Access Financial.

You can view a list of type of equipment we offer by clicking here, but it includes just about any kind you can think of — new or used. Even costs such as installation, service, freight and warranties can be included so they don’t become out-of-pocket expenses.

Generally, it’s one business day upon receipt of the Lease Application.

Unlike a loan on direct purchases (which can require a large down-payment), a lease typically requires the first and last month payments, which are applied to the lease payment schedule. There is also a nominal documentation fee required to cover costs to the lease documents, as well as the expense of filing the UCC-1 financing statements for your specific state.

Depending on the type of lease chosen, the answer is yes! Up to 100% of the lease payments may be deductible as a business expense. It is recommended you contact your accountant or tax advisor for specific answers relating to your business.

Because equipment is basically being rented, and there is no “loan,” interest rates do not apply! You pay a flat-monthly rate based on the equipment cost and lease terms chosen.

No! Because a lease is basically a rental, there is no loan, and no down-payment. There are other nominal costs involved, including the first and last month payment, documentation fees, and a cost for filing financial statements for your state.

Yes, the lease agreement specifies that insurance is required to cover fire, theft, loss and general liability.

There is no cost to apply for equipment lease financing.

Typically it is based on the company’s credit history, time in business and the type of equipment to be leased.

Contact us with your specific need and question, and we’ll be glad to give you the information you need to make a decision.

Every Company is Different.

So are our Leases

View Available Leases

What Our Clients Are Saying

We have never had a leasing company contact us in advance to make sure we knew our leases were expiring. It’s reassuring to have someone who has your best interest in mind.

- Matt J

Access Financial stays in touch to make sure everything is going smoothly. When I call or email with a question, the response is immediate. They handle any concerns so I can focus on my business.

- Suhail A