Financing

marlin-equipment

THE SMART PAYMENT OPTION FOR YOUR BUSINESS.

Effective cash flow management is an extremely important element to a successful business – small or large. Equipment financing offers business owners a means to acquire equipment based on an operating budget – not based on capital or cash on hand. Equipment financing is an option which enables any business to acquire new equipment or upgrade existing equipment while avoiding the inefficiencies of obsolescence. Financing also means postponing the ultimate purchase decision for a piece of equipment until the end of the financing term.

  • TAX TREATMENT: The tax incentives for purchasing new equipment have never been greater. By taking advantage of a lease-to-purchase option, the amount you save in taxes could be greater than what you pay in the first year of a lease. Your new equipment could make you money from day one!
  • 100% FINANCING: Since a lease often doesn’t require a down payment, it’s equivalent to 100% financing.
  • FLEXIBILITY: As businesses grow and needs change, you may be able to add or upgrade equipment at any point during the financing term.
  • ASSET MANAGEMENT: Financing provides the use of equipment for specific periods of time at fixed payments. The financing company assumes and manages the risk of equipment ownership. At the end of the term, if you elect to return the equipment, the financing company is responsible for the disposition of the asset.
  • FLEXIBLE END OF TERM OPTIONS: There are typically three flexible options at the end of a term. You can return the equipment,    purchase the equipment from the finance company or extend the financing for an additional period of time.

FINANCE vs. CREDIT CARD PURCHASE vs. BANK LOAN

CAN I… FINANCING CREDIT CARD BANK LOAN
Acquire equipment easier and for less? YES NO NO. Large down payment required.
Upgrade or add equipment without difficulty? YES NO NO. Reapplication usually required.
Match payments to your current cash flow? YES NO NO
Avoid affecting your bank lines of credit? YES N/A NO. Credit is significantly affected.
Customize your payment plan/defer payments? YES NO NO
Get approved for financing in one day? YES N/A NO. It may take days or even weeks.

5 EASY STEPS TO FINANCING WITH MARLIN

Financing with Marlin Equipment Finance is a very simple and easy process. Marlin partners with manufacturers and product resellers in many industries, including: healthcare, telecommunications and office equipment, to provide financing solutions tailored to their specific markets and individual business strategies.

  • SHOP: Find the equipment solution you need for your business and contact SaniUSA for an official quotation.
  • APPLY: Complete a simple credit application. Once the application is complete, we will begin the credit approval process and have an answer to you within two hours.
  • SIGN: Upon approval, the finance documentation package will be completed and sent to you for signature. Once the signed documentation is received, your equipment or software can be ordered through your vendor.
  • RECEIVE: Upon receiving your equipment or software, Marlin will commence the lease.
  • PAY: Once the lease is commenced, your first invoice will arrive within 30 days and you will be billed monthly for the duration of  your finance term.

For more information, please contact Jessica Nason: 856-505-4293 or jnason@marlinfinance.com

Marlin Business Services Corp. solutions for small and mid-size businesses. Marlin has extended $3 billion in financing by providing tailored financing programs and competitive lease structures. In 2008, Marlin opened Marlin Business Bank® member of the Federal Reserve System. Our bank provides flexibility and diversity to our corporate funding strategy through the issuance of certificates of deposit. Marlin Business Services Corp. is publicly traded on NASDAQ: (MRLN), wellcapitalized and an industry leader in small-ticket financing.

CORPORATE OFFICE
300 Fellowship Road • Mount Laurel, NJ 08054
P: 888.479.9111 • F: 888.479.1100 • marlinfinance.com