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How Business Computer Financing Loans Can Work for You
Whether you run your business entirely online or operate a brick and mortar location, the latest technology can make a big difference in your bottom line. Without the right computer and technology tools, your business could lose a competitive edge. Even worse, outdated computer equipment could put the data of both your business and clients at risk. Re-outfitting your entire office with new computers could easily cost you thousands. Technology leasing and computers obtained through financing give you the tech upgrades you need without the upfront costs.
Keep Up with Technology
- As technology advances quickly, your business can have the latest tools to keep up
- Maintain your competitive edge with the latest computer equipment and tools
Get Big Tax Deductions
- Use the Section 179 deduction to potentially deduct the cost of your new computer equipment
- You could save thousands at tax time and reduce the overall cost of your equipment
Free Up Cash for Other Needs
- Business computer financing allows you to maintain your cash flow when obtaining new computers
- Pay bills, cover payroll and invest in growing your business with the money saved over buying computers outright
Financing Terms That Work for You
- Unlike buying outright, computer leasing options allow you to create a program that best fits your business
- Set up lease or loan terms that make sense for your business, such as quarterly payments
Computer Equipment Financing Details
As technology continues to advance at incredibly fast rates, your business needs to be able to keep up. It’s impractical for most business owners to completely replace computer equipment every few years – that’s a fast way to wipe out cash reserves.
Computer leasing for small business owners can help you update your equipment, even if your business doesn’t have thousands of dollars in the bank to spend on new technology.
Qualifications for Equipment Financing and Leasing
6 months
in business
FICO score
over 620
Equipment quote
from a vendor
How to Apply
Business computer leasing has never been easier with financing options from National Funding. Take a few minutes to fill out our online application and get started leasing computer equipment today. We’ll work with you to customize your terms to fit your business and your budget.
Why National Funding?
When you're exporing options for computer leasing for small business owners, you need a lender who can provide the capital you need and terms that work for your business. National Funding takes a personalized approach to your computer leasing needs to find the program that works best for you.
We Know Your Business
We have experience helping tech-savvy businesses like yours.Trusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Equipment financing solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation easy application processLoan Specialists Who Care
Experienced Loan Specialists help you make the right decisionPreserve Cash
Hold on to more of your hard-earned cash for use in other parts of the businessRatings & Reviews
We’ve helped businesses from a variety of industries find computer leasing opportunities.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.