AES Wave.com

2 Requirements for leasing:
You are a Business entity
Minimum Lease Amount of $1,000.00


Apply Online: Click here for an Application (Opens new browser window) or call AES: 559-292-7851 ask for Carlos		Calculate Payments (Opens new browser window) Is leasing right for you?

WHY LEASE? Because leasing...

. Requires less money up front
. Permits soft cost financing
. Preserves bank credit lines
. Offers flexible payment options
. Allows for easy upgrades and add-ons
. Provides quicker approval with less hassle
. Minimizes balance sheet liabilities

WHY LEASE WITH MARLIN? Imagine...

. Variety of Leasing options
. Application approval within 2 hours
. Funding within 24 hours
. Simple, one-page faxable lease documents
. Programs for newer businesses
. Personalized, one-to-one service

NOTE: Leasing is available for businesses more than 6 months but less than 2-years old.

Logic of Leasing Lease Financing vs. Cash Purchase vs. Bank Loan
Can you ...	Lease Financing	Cash Purchase	Bank Loan
Acquire equipment without a substantial cash outlay?	YES	NO	NO. Most banks require a large down payment.
Upgrade or add equipment without difficulty?	YES	NO	NO. Most banks require reapplication for another loan.
Match payments to your current cash flow?	YES	NO	NO.
Avoid affecting your bank lines of credit?	YES	N/A	NO. In fact, they will be affecting it a great deal.
Delay payments until after the equipment begins to pay off?	YES	NO	NO. Payment required right away.
Get approval for financing in one day?	YES	N/A	NO. It could take days or even weeks.
Deduct all or most of the fmonthly payments from your taxable income?	YES	N/A	NO.
Summary: In most cases, lease financing is economical and flexible, and puts fewer demands on your cash flow.

Leasing Options

Marlin Leasing Corp. offers four lease plans. Customized programs are available too.

Option 1: Fair Market Value (True Lease)
For those worried about obsolescence, this plan offers the most options both during and at the end of the lease term. This plan is particularly beneficial to those wanting a small security deposit and a relatively low monthly payment. At the end of the lease term, the lessee has three options: (1) extend the term of the lease, (2) return the equipment, (3) or buy it at its fair market value. Marlin also offers financing for those wishing to buy the equipment at the end of the lease term. A True Lease allows the most cost to be deferred to the end of the lease when a decision to retain or upgrade the equipment can be made.

Option 2: $1.00 Buyout
For those who are fairly certain they wish to purchase the equipment at the end of the lease term, this is the recommended plan. Once the lease term expires, the equipment is simply purchased for $1.00.

Option 3: 10% Security Deposit
Because this program offers the lowest monthly payment, it is especially attractive to those who can afford to pay a 10% security deposit of the lease amount. End-of-lease options still apply. The deposit can be applied as the buyout at the end of the lease, the lease can be extended, or the equipment can be returned and the deposit is then refunded.

Option 4: 10% Purchase Option
This plan offers the customer a fixed purchase option at the end of the lease term. Upon final payment, the customer can continue to lease the equipment, return the equipment, or buy it at 10% off the original equipment cost.

NEW BUSINESS PROGRAM For Businesses 2 years and under

Marlin Leasing wants to help all businesses-including new businesses-increase sales and profits. To achieve this goal, they developed a New Business Program for companies established more than 6 months but less than 2 years. Here's how it works:.

The maximum funded amount considered is $15,000, which includes incidental charges such as up-front sales tax, discounted points, etc.

If time in business is between 6 months and 12 months, the maximum term allowed is 24 months. If time in business is greater than 12 months but less than 2 years, the maximum term allowed is 36 months..

The minimum security deposit is 3 payments...Add 0.003 to the initial base rate factor.

Apply Now! (Opens new browser window) or call AES: 559-292-7851 ask for Carlos	Calculate Payments (Opens new browser window) Is leasing right for you?

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Information in this document is subject to change without notice.
AES Wave! is a claimed trademark of Automotive Electronics Services, Inc.
Other products and companies referred to herein are trademarks or registered trademarks of their respective companies or mark holders and are not associated with AES.