What Is Working Capital - Heartland Financial Group

What is working capital? Working capital can help provide a quick insight into your company’s loan repayment history and instill a greater sense of confidence. Read on to learn more. Financial health is an important metric when sizing a business up for investment or credit. Anyone looking to put money into a company wants to…

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Equipment Financing For New Business - Heartland Financial Group

Equipment financing for new business can take time to research and secure. There are many different types, loans, leases to take into consideration. Read on to learn more. The cost of doing business as a newcomer can be prohibitive in specific industries. This is especially true for new companies and startups short on capital and…

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There are five major forces of change in the equipment finance industry: Societal Technological Environmental (Regulatory) Economical Political These factors push and pull the industry in ways that are often difficult predict. However, this doesn’t mean it isn’t worth speculating what the future may hold. Here are some ideas of what the future may hold.

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The Equipment Leasing and Finance Association (ELFA) has recently named it’s top 10 trends in 2018 for equipment acquistion: Capital spending will have its strongest performance in six years. Look for strengthening positive momentum in financed equipment acquisitions. Tax reform will help unleash pent-up demand by businesses for new equipment. Higher interest rates will loom as…

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Outright purchasing equipment for short term use often doesn’t make financials sense. Outright purchasing equipment for short term use often isn’t in the budget. When your company has these type of equipment needs, the choice is between leasing and financing the equipment. There are certain considerations to be factored and certain benefits to each route.…

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Wondering what the most porlific equipment being leased in 2018 is? A survey was taken of ELFA (Equipment Leasing and Financing Association) member asset managers and consultants, and the results are out. The hottest equipment sectors in 2018 are construction, machine tools, trucks/trailers, IT, containers/chassis and medical equipment with the biggest role being played by construction…

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Who is affected and how? One of the many reasons companies lease equipment and products is how they can claim it on their balance sheet. It is listed as an operating lease in the footnotes as “off balance sheet”. This means the item leased is considered an asset to the company and the lease itself…

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ELFA Press Release This list is created in the hopes of helping businesses in planning their acquisition strategies; data compiled from the Equipment Leasing & Finance U.S. Economic Outlook Report, industry participants’ expertise, and member input from ELFA meetings and conferences. 1. US investment in equipment and software will hit a new high, but moderate in growth…

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John Crum, of Wells Fargo, reviewed and surveyed the construction industry environment and executives within the industry this past year. The first three quarters of 2015 showed continued strength in equipment rentals and should likely rise through the New Year. Read original article: Construction Activity Strong in 2015: Rental Rates Continue Upward Trend

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Do you need one? Small businesses, especially start-ups, may not be able to afford space to run their business, which means renting out an office is the only option. This is where SBA Loans come into play; but it’s not only about the loan, you should know about a landlord subordination agreement and how it…

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