Products - Leases - Financing - Granite Peak Financial

Financial Products

Granite Peak Financial provides a broad range of cost effective and flexible lease products to its customers and vendors alike. You will see each has its specific advantage. Please look over some of the different products below and let a Granite Peak Financial advisor help you to determine which program will best fit your businesses needs.

EXPRESS LEASE TERMS - Simplicity, Service & Strong Financial Products

"Application Only" transactions up to $250,000 (Equipment Restrictions Apply)

No financial information needed - one page application only process

Credit Review & Estimated Payment Quotes in Less Than 2 Hours

Credit Approval in 24 Hours Or Less

Payment Types - Monthly, Quarterly or Seasonal

Available Without Personal Guarantee for Qualified Customers

COMMERCIAL LEASE - Lower Rates, Full Financial Disclosure

Low Fixed Rates

Structures - Operating Lease, Refinance, Sale-Lease Back. Off Balance Sheet

Software Financing, Master Lease Lines, Challenged Credit Program

3 To 4 Day Credit Approvals with Complete Financial Package

Master Leases Available

Payment Terms

Typical lease agreements are written on a 24, 36, 48 on 60 month term but can be adjusted in a number of ways to better meet your company's needs. Below we describe some of these options in more detail.

Seasonal Payments: To meet seasonal fluctuations or other cash flow constraints, this type of payment allows you to arrange a payment schedule so that you are making payments that rise and fall with your business' sales peaks.

90-Day Deferred Payments: This payment schedule allows you to make a smaller "contact" payment while deferring regular payments for 90 days. New equipment generally has a learning curve associated with it thus; a deferred payment plan can assist you while you are being trained on the equipment.

Step Down Payments: With this payment program you will make a larger monthly payment at the beginning of the lease and then your payments will decrease over time. This is designed for businesses that want to lower the total amount of finance charges they pay over the entire lease term.

StepUp Payments: This type of payment can be ideal for growing firms that are looking to start their payments low and increase them over time while revenues from their new equipment increase.

Quarterly Payments: If 12 checks per year is too much for you, then you can make your payments once every quarter.

Buyout Options

Fair Market Value (FMV): This plan is particularly beneficial to those concerned with technological obsolescence. Our Fair Market Value lease is designed for our customers who expect the value of their equipment to decrease quickly, or will want to upgrade their equipment at the end of the lease. At the end of a FMV lease, the lessee has three options: extend the term of the lease, return the equipment, or buy it at its fair market value. With this lease, you generally have lower monthly payments and you can write off 100% of your payments as an operating expense. Please consult your accountant about the tax treatment for your company.

$1 Buyout: This option is for those who are fairly certain that their equipment will retain its value. Therefore, they plan to purchase the equipment at the end of the lease. When the lease term expires, you can simply purchase the equipment for a $1 (or $101 depending on your state's tax laws).

10% Purchase Option: For those who like the flexibility of the option to return the equipment or purchase it at the end of lease, but want to cap their equipment buyout at a certain percent of the equipment cost, this is the option for you.

Equipment Finance Agreement: For those that prefer a loan on the equipment rather than a lease the EFA allows you to finance the equipment with no purchase option at the end of the term. You make the required amount of monthly payments and the equipment is yours.

866-523-8898

Competitive Payment Quotes Generated in Under 2 hours

Application Only Transactions Up To $250,000 (on stronger collateral)

Financing of Software, Vehicles, New Businesses even Challenged Credit Customers

Thousands of Satisfied Customers Nationwide

Your Best Leasing Alternative Guaranteed





Financial Products Granite Peak Financial provides a broad range of cost effective and flexible lease products to its customers and vendors alike. You will see each has its specific advantage. Please look over some of the different products below and let a Granite Peak Financial advisor help you to determine which program will best fit your businesses needs. EXPRESS LEASE TERMS - Simplicity, Service & Strong Financial Products "Application Only" transactions up to $250,000 (Equipment Restrictions Apply) No financial information needed - one page application only process Credit Review & Estimated Payment Quotes in Less Than 2 Hours Credit Approval in 24 Hours Or Less Payment Types - Monthly, Quarterly or Seasonal Available Without Personal Guarantee for Qualified Customers COMMERCIAL LEASE - Lower Rates, Full Financial Disclosure Low Fixed Rates Structures - Operating Lease, Refinance, Sale-Lease Back. Off Balance Sheet Software Financing, Master Lease Lines, Challenged Credit Program 3 To 4 Day Credit Approvals with Complete Financial Package Master Leases Available Payment Terms Typical lease agreements are written on a 24, 36, 48 on 60 month term but can be adjusted in a number of ways to better meet your company's needs. Below we describe some of these options in more detail. Seasonal Payments: To meet seasonal fluctuations or other cash flow constraints, this type of payment allows you to arrange a payment schedule so that you are making payments that rise and fall with your business' sales peaks. 90-Day Deferred Payments: This payment schedule allows you to make a smaller "contact" payment while deferring regular payments for 90 days. New equipment generally has a learning curve associated with it thus; a deferred payment plan can assist you while you are being trained on the equipment. Step Down Payments: With this payment program you will make a larger monthly payment at the beginning of the lease and then your payments will decrease over time. This is designed for businesses that want to lower the total amount of finance charges they pay over the entire lease term. StepUp Payments: This type of payment can be ideal for growing firms that are looking to start their payments low and increase them over time while revenues from their new equipment increase. Quarterly Payments: If 12 checks per year is too much for you, then you can make your payments once every quarter. Buyout Options Fair Market Value (FMV): This plan is particularly beneficial to those concerned with technological obsolescence. Our Fair Market Value lease is designed for our customers who expect the value of their equipment to decrease quickly, or will want to upgrade their equipment at the end of the lease. At the end of a FMV lease, the lessee has three options: extend the term of the lease, return the equipment, or buy it at its fair market value. With this lease, you generally have lower monthly payments and you can write off 100% of your payments as an operating expense. Please consult your accountant about the tax treatment for your company. $1 Buyout: This option is for those who are fairly certain that their equipment will retain its value. Therefore, they plan to purchase the equipment at the end of the lease. When the lease term expires, you can simply purchase the equipment for a $1 (or $101 depending on your state's tax laws). 10% Purchase Option: For those who like the flexibility of the option to return the equipment or purchase it at the end of lease, but want to cap their equipment buyout at a certain percent of the equipment cost, this is the option for you. Equipment Finance Agreement: For those that prefer a loan on the equipment rather than a lease the EFA allows you to finance the equipment with no purchase option at the end of the term. You make the required amount of monthly payments and the equipment is yours.							866-523-8898 Competitive Payment Quotes Generated in Under 2 hours Application Only Transactions Up To $250,000 (on stronger collateral) Financing of Software, Vehicles, New Businesses even Challenged Credit Customers Thousands of Satisfied Customers Nationwide Your Best Leasing Alternative Guaranteed
Granite Peak Financial LLC 905 N Lake Blvd Tahoe City CA 96145 Phone 866-523-8898 Fax 866-728-1678 info@granitepeakfinancial.com