Sterling Financial Services Group

Fixed Payments- SFSG offers monthly payments on a lease that are fixed for the term of the lease and are not floating like some conventional loans.

Longer Terms- A lease can sometimes offer you a longer lease term than conventional loans.

Protection From Obsolescence- A lease allows you to upgrade your equipment now thereby protecting you from obsolescence.

100% Financing- SFSG offers 100% financing unlike conventional loans which usually require up to 20% down.

Simpler than Conventional Bank Loans-Leasing with SFSG takes the red tape out of equipment financing.

Flexibility- SFSG has the ability to structure a lease to “tailor make it” to fit our customers needs.

Purchase or Renewal Options- SFSG offers customers a variety of purchase and renewal options.

Conservation of Capital- Leasing allows you to conserve your capital and to utilize it to improve other areas of your company.

Tax Benefits- A lease payment can be a fully deductible business expense. Under the current Alternative Minimum Tax (AMT) ownership of equipment triggers depreciation, which is a tax preference item and leasing your equipment helps you to avoid the AMT Tax.

Special Programs-SFSG has the ability to develop special programs that can be customized to reflect the needs of specific industries. SFSG has a Master Lease Program to facilitate a customers need to add additional equipment to the original Lease agreement which greatly simplifies future transactions through schedules.

Municipal Lease Program-SFSG has a Municipal Lease Program designed for municipalities. This program includes a funding clause which allows a municipality to cancel the lease contract for non appropriation of funds.

Additional Lines of Credit- A lease line of credit through SFSG allows a business to establish an additional line thereby increasing liquidity.