Expand your financial horizons without using your existing bank lines.

A Capital Loan helps improve your capital position for things like:

• Lease-hold improvements
• Renovations
• Advertising campaign? Web page design
• Business consulting
• Capital equipment purchases
• Inventory buildup
• Improved cash flow

Program Highlights

• Transactions funded from $15,000 to $150,000
• Terms available up to 60 months
• Capital equipment purchases are not mandatory to obtain capital loans

Program Requirments

• Minimum Time in Business (TIB) under current ownership:

Loan Amount	Minimum TIB
$15,000 - $24,999	3 years
$25,000 - $49,999	5 years
$49,999 - $150,000	7 years

• Tax returns may be required from amounts greater than $25,000.
• Funding will be made payable directly to the business owner.
• Two payments are due at signing.

Call (866) 590-2220 and ask about our Working Capital Loan program.

Corporations that have maintained a proven track record over time deserve additional financing resources. And with our "Corporate Only" finance program, TriLease is able to offer just that.

Program Highlights

• No Personal Guarantee needed.
• Simply provide the corporation name, corporate Address, and corporate banking information.
• Ideally, the corporation should be incorporated (includes LLC's) for a minimum of 5 years.
• Additionally, the corporation should not be "closely held" or only one corporate owner.
• The Corporate Dunn and Bradstreet(D&B) rating will be used to determine "Corporate Only" status.

Note: If the D&B rating is not satisfactory to accommodate "Corporate Only", the application may still be approved, but a Personal Guarantee will be required.

• Same day credit approvals in most all cases.

Call (866) 590-2220 for more information on our "Corporate Only" finance program.

A Master Lease is a tool that allows you to obtain a line of credit to use as they receive equipment. The rate factor is based on the total of the purchases combined.

Cash When You Need It

A Master Lease is ideal when you are looking at multiple equipment purchases that may be spread out over a period of time (usually within 90 days).

Minimal Paperwork

In most cases, only a Lease Supplement is needed for future transactions. The Lease Supplement refers to the terms of the original Master Lease.

Terms

• Traditionally, Master Lease lines of credit are reserved for business with two years current ownership or more.
• Normal credit terms apply.
• Generally, draws against a Master Lease are limited to purchases of $5,000 or greater.

Questions?

To find out how to improve your cash flow with a Master Lease, call (866) 590-2220 to talk with one of our account managers today.

Whether stating a new franchise or expanding an existing one, TriLease can provide all the resources you need with terms ranging from 24-84 months, tools that allow for working capital and lease to own as well as 10% balloon payments.

Program Highlights

• Start-Ups: up to 80% of the total package costs, including franchisee fees, leasehold improvements, training costs, inventory, signage, equipment and other fees including legal, accounting and design
• Additional Unit Franchising: up to 100% availability, including payoff and refinancing of debt on the original location(s)
• Acquisition of Exiting Unit
• New Franchisee: Up to 80% of the acquisition cost plus any upgrades or remodeling
• Established Franchisee: Up to 100% availability
• Remodles: Up to 100% availability, including all equipment, leaseholds and other costs
• Upgrades: Up to 100% availability
• New Equipent: Up to 100% availability
• Refinancing of Existing Debt: Allow for lock in of low rate with the opportunity to free up personal assets that have previously been pledged
• Working Capital: Helps further enhance cash flow for existing franchisees

Program Requirements

The following are required in the application package:

• Existing Franchisee: Application only up to $75,000 Amounts greater than $75,000 will require two(2) years personal and business tax returns along with a personal financial statement of all owners and a store-performance report. NOTE: For amounts greater than $150,000, please include three(3) years personal and business tax returns.
• Aquisition Franchisee: All applications should include two years(2) tax returns, business and personal, along with a personal financial statement, a store-performance report and a Store Value Form.

The following are required in the funding package:

• Invoices for all expenses related to the business. If any of the invoices have already been paid, it is important that we receive proof of payment.

TriLease will gladly provide refunds to the franchisee for amounts that are within the approved amount.

Please note that a first lien position may be filed unless the request is for equipment only.

Questions about our Franchis program? Call (866) 590-2220 to speak with an account manager.

TriLease has a wide selection of financing programs available for municipal entities, including:

• Federal, State & Local Governments
• Public Schools
• Medical Centers
• Correctional Facilities
• Port, Housing & Transit Authorities
• Public Utility Companies
• Court Systems
• Police & Fire Departments
• Universities and Colleges

Program Highlights

• Streamline paperwork
• Generous terms up to 60 months
• Flexible payment options (monthly, quarterly, semi-annually, annually)
• Competitive Rates
• Easy Approval! Generally no application is needed. Simply provide the name and address of the agency and we will obtain the Municipal rating
• All types of equipment accepted, including new and pre-owned

Call (866) 590-2220 for more information on our municipal programs.

Although our core business is geared towards equipment leasing, we understand the value that additional financing options can provide you and your customer. We have therefore created additional programs to give you more flexibility in meeting your cash flow needs.

Commercial Finance Agreement

• Allows for early payoff without penalty.
• The remaining principal balance is the account payoff amount.
• There is no property tax assessment this means greater flexibility with sales tax management.
• Ideal for the software market.

Residual Finance Services

• Referred to as a lease purchase or lease-to-own plan.
• 20-25% of the original purchase price is required at the beginning or end of the lease.
• Provides a lower monthly payment.
• Ideal for equipment that tends to hold its resale value.

Call (866) 590-2220 to talk with an account manager to find out more about either of these programs.

While the focus of our business is the commercial market, we also have a program tailored for non-commercial enties, such as:

• Individual consumers
• Hobbiests of a particular trade
• Businesses that have no official tax id#, no directory assistance, no business checking account or no other form of business verification

Program Information

• Terms up to 60 months
• Only 1 payment due at signing
• Leases starting at $1,000
• New and used equipment acceptable
• End of Lease option is FMV estimated not to exceed 3 monthly payments
• Equipment provider must be an authorized seller
• Payments based upon personal credit profiling. Contact your Account Manager for rate information

Call (866) 590-2220 for more information on our Non-Commercial program.

Because we understand that all businesses are not the same, we have multiple payment programs to meet your equipment and cash flow needs.

Our selection is truly unmatched!

• Zero Down Financing
• Seasonal Payment Planning
• 30, 60, 90 Day Deferral
• Step-Up Graduated Program
• Annual, Quarterly and Semi-Annual Payments
• 6 x $99.00 Program
• 90-Days Same As Cash
• 5% in, 5% out Program
• $20.00 Due at Signing
• 10% Security Deposit = End of Lease Buyout

Call (866) 590-2220 to find a payment plan that's right for you.

One-Dollar End of Lease Option

• Also known as a Conditional or Nominal Sales Option.
• Intended for customers wishing to purchase the equipment at the end of the lease.
• Ownership is transferred to the customer for $1.00 after all scheduled lease payments have been made.
• Ideal for equipment that will maintain strong value throughout the lease term.

10% End of Lease Option

• Also known as a 10% Guaranteed Purchase Option
• Like the One-Dollar End of Lease Option but with a lower monthly payment.
• Inteded for customers wishing to purchase the equipment at the end of the lease.
• Ownership is transferred to the customer for 10% of the original purchase amount, after all scheduled lease payments are made.
• Ideal for equipment that will have a good residual value that may be greater than 10%.

10% Prepaid Purchase Option

• Similar to the 10% End of Lease Option.
• The 10% purchase price is prepaid at lease signing.
• Since the purchase price has been prepaid, ownership of the equipment transfers to the customer automatically after all lease payments have been made.
• Because the purchase price is paid up-front, the lease amount is lower. This means lower monthly payments.

Fair Market Value (FMV)

• Intended for equipment that may quickly decrease in value.
• At the end of the scheduled payments, you the option to return the equipment free and clear or upgrade to new equipment and enter into a new lease.

Note:

• FMV is estimated to not exceed 10% of the original purchase price, but depending upon the collateral and term, the FMV could be 20%, 30% or even higher.
• Traditionally, rates for the 10% PUT are commonly used for this option.
• Due to limitations and exclusions for software transactions, this option is not available for software only purchases.

Finance Agreement/Working Capital Loans

The flexibility of a lease but the product of a loan

• A TriLease Exclusive.
• It allows for added flexibility when paying off in advance.
• There is no purchase option to execute... once the term has been completed or if the customer opts to pay off the note in advance, ownership is transferred to the customer automatically.
• Ideal for software providers.

Questions?

Call (866) 590-2220 to speak with one of our account managers, for more information on the Business Lease Programs TriLease has to offer.

Tri Lease Corp will finance a variety of used equipment, with very few limitations. When submitting an application that will involve pre-owned equipment, simply be sure to indicate "used equipment" on the application. Our Asset Management Team will evaluate the equipment and, in nearly all cases, there will very few restrictions.

General Information

• All dollar amounts will be considered(up to $75,000.00 application only)
• Equipment age is not a factor
• Terms can range from 24 - 60 months
• All end of lease options, including $1.00, 10% PUT and FMV, allowed
• Start-ups and marginal credit acceptable on approval
• Virtually all types of equipment are accepted*
• A simple one page condition report will be required. The condition report can be completed by phone and will simply provide us with a general condition of the equipment.
• Standard rate structure and normal credit criteria apply

*Used computer equipment is generally not accepted

Call (866) 590-2220 to find out more about our Used Equipment policy.