Program Overview

LEAF Dealer Solutions' goal of this program is to give you control: control of your customer during trade-up and buy-out activity, and the right to the equipment at the end of the lease.

LEAF's Partners in Profit (P.I.P.) Program is a full Fair Market Value lease to your customer, but funded to you at a $1.00 out rate. At the end of the lease term, the equipment is yours to sell, trade, or rent. You can even elect to have LEAF Dealer Solutions continue to bill and collect payments beyond the term, remitting the monthly payments to you, less a processing fee.

The P.I.P. Program gives you total ownership of your customer. During the lease term, since you control the residual value, you will also control any request for an early buyout from the customer or in a competitive situation, a trade-up price to your competitor.

$1.00 Purchase Option

With this product, the lessee is able to claim some of the benefits of ownership, such as depreciation and interest expense deductions. The purchase option for the equipment at the end of the lease term is $1. This product is suited to businesses that plan to keep the equipment beyond the lease term.

Fixed Price
Purchase Option

With this product, the lessee is able to claim some of the benefits of ownership, such as depreciation and interest expense deductions, while retaining a low monthly lease payment. At the end of the lease term, the customer has the option to purchase the equipment for a fixed percentage (usually 10%) of the original leased amount. This product is a good option for customers who desire equipment ownership, but require a lower monthly payment than the $1.00 Purchase Option.

Fair Market Value Purchase Option (FMV)

This product provides the customer with the lowest monthly payment, and because the lessor is the legal owner of the equipment, in some cases the customer can claim the lease payments as tax deductions. At the end of the lease term, the customer has the option to purchase the equipment for fair market value. This product is a good option for a company that wants to control its budget with the lowest available payment and desires the flexibility to upgrade their equipment as their needs change.

Municipal Leases

LEAF Dealer Solutions provides this product to the municipal market for tax-exempt equipment leasing and purchase financing. Municipal leases provide an alternative to the normal methods municipalities use to acquire equipment; namely, cash purchase or bond referendum. One of the unique features of this lease is a non-appropriations clause.

Deferred Payment Plan

A 30, 60 or 90-day deferred payment plan can be structured as a finance lease or a true lease. Usually, the requirement for advance payments is waived, and the first payment is due at the second (60-day) or third (90-day) month of the lease. This lease structure is useful for businesses that acquire income-producing equipment that takes a few months to begin producing revenue. With this structure, the customer can pay for the use of the equipment from the income that it generates.

Quarterly,
Semi-Annual, Annual

Four times a year, twice a year, or annually, customers can structure their payment schedule based on their needs and cash flow requirements.

Pre-Paid
Purchase Options

LEAF offers a pre-paid purchase option designed to keep monthly lease payments affordable without extending the length of the lease term. By pre-paying 10%, 15%, or 20% of the cost of the equipment, customers can have low monthly payments and still retain the option to purchase the equipment for just $1.00 at the end of the leasing term.

Step Payments

The step payment option features payment amounts that vary according to a pre-determined schedule. Payments may either increase, decrease, or both during the term of the lease. Candidates for a step-up in payments include businesses that acquire income-producing equipment that will earn revenue over time and businesses with a debt burden that is scheduled to be paid off. Candidates for a step-down in payments include businesses that anticipate a reduction in revenues or an increase in debt level and seasonal businesses that benefit by reducing payments during the slow season.

Skip Payments

Our skip payment option has a repayment schedule that includes months when no payment is made (and no penalty is assessed). Ideal candidates for this type of lease are businesses that need the flexible repayment schedule, such as seasonal businesses (agricultural and recreational) and school systems.

Flexible Rate Financing (Low Interest and Interest Free)

Flexible rate financing offers customers variable rates from 0-10%, thereby expediting sales with rate sensitive prospects that may be reluctant to finance due to high-perceived financing costs. End-of-term purchase options allow the customer to purchase the equipment for $1.00, 10% of the original purchase price, or at fair market value. A discount from your invoice may be required.

Affordable Down Payment Options

Your customer can choose to make 0, 1 or 2 payments upfront depending upon their monthly payment budget. The more your customer can afford as a down payment - the lower their monthly payment.

Maintenance Billing

With this product, LEAF bills and collects payments from your customer for the leased products, as well as for the non-leased maintenance payments. LEAF adds the fixed maintenance charge to its monthly billing, and upon collection, remits to you the maintenance amount less a nominal fee. This product is a good choice for those vendors who would prefer to entirely outsource the billing and collecting associated with the product.

Lease Agreement

Our simple, one page/one sided lease agreement is written in easy to understand plain language.

Rental Agreement

For customers who would rather not enter into a lease agreement, our rental agreement offers all of the same benefits as our traditional lease.

Master Lease Agreement

A master lease agreement provides for current and future acquisitions by enabling customers to acquire additional equipment under the same basic terms of the original lease. One set of lease documents are utilized, with additional schedules for each new equipment acquisition. This is a good option for customers who are likely to obtain additional equipment and who prefer to manage their equipment acquisitions under one lease.

Co-Branded Label

With this product, LEAF bills and collects in LEAF's name, while lease documents are in both your name and LEAF Financial Corporation’s name.

Private Label
With Notification

As with the co-branded option, LEAF bills and collects in LEAF's name. However, with this option, all documentation is in your name.

Private Label
Without Notification

This product offers your customers a seamless leasing solution. Not only does LEAF Financial Corporation bill and collect in your name, but all documentation is in your name as well, keeping LEAF's participation transparent to your customers. This option is ideal for vendors who wish to promote the perception of a full service, in-house leasing program.

Fax Lease Agreement

LEAF's fax lease option makes the leasing process even faster for your customers needing quick turnaround. Documents are sent directly to your customers, signed, and faxed back to LEAF.

Check Payment

If you prefer to receive payment by check we will be happy to accommodate this need. Once your equipment is accepted by your customer you will receive your check payment within 24 hours.

Express ACH Funding

LEAF offers you the ability to sign up for our same day ACH (Automated Clearing House) funding program. Once your equipment is accepted by your customer we will wire your funds directly into your checking account. This is a free service to our valued vendor partners.

Wire Funding

An expectation most vendors have is to be funded in a timely fashion after the equipment is delivered and accepted. LEAF uses an automated clearinghouse system to provide rapid funding for vendors. Our system transfers funds directly into the vendors' accounts. The funds are available to you the same day we receive a signed delivery and acceptance from the customer. A user fee many be accessed.