Why Lease?For many business owners, leasing makes good economic sense. Leasing typically requires no down payment, and a portion of equipment costs can be deferred to the end of the lease term. There are no pre-payment penalties, no non-utilization fees, and no compensation balance requirements.

WITH LEASING, YOU COULD:

• Operate equipment you need without incurring risk of ownership or obsolescence.

• Obtain significant tax benefits by expensing lease payments instead of depreciating assets.

• Improve cash flow by obtaining a low, fixed rate payment.

• Match equipment budgets to dollars available via pre-approved lease lines of credit.

• Eliminate the need to apply for credit every time a capital need arises.

• Lease up to 100% of the cost of a project, including soft costs or non-recurring costs.

• Reduce your balance sheet debt, improve financial ratios, and provide your company with an additional source of financing.

• Minimize equipment operating costs; use equipment only for as long as it is productive and efficient.

• Utilize a Sale-Leaseback to refinance equipment purchased at an earlier date. Use this cash infusion on higher return alternatives and improve overall business profitability.

Use Our Value-Added Leasing ApproachCOMPETITIVE Unlike other leasing companies, we do not use one size-fits-all rates. We tailor a lease to your unique situation and consider your transaction size, term, type of asset, lease structure, and the financial requirements of your company.

ACCESSIBLE We are quick and responsive. Our leasing and credit officers are at the ready to serve you with personal attention.

KNOWLEDGEABLE We are committed to ongoing education and training in the field of leasing and financing so that we’re experts for you today…and tomorrow.

FLEXIBLE Our terms typically range from 2 to 7 years and include installation periods as well as skipped payment plans. This means you will receive a Lease Agreement that is flexible enough for you.

CONVENIENT We’re your one-stop source. Use our Master Lease to reduce your paperwork and help establish a lease line of credit at a competitive fixed rate.

Ready to start?Call or email:

Marc Shapiro Account Executive530-895-7581MarcShapiro@tcbk.com

What types of equipment can I lease? You can lease any type of capital equipment used to generate income or support your business operations. Some examples include:

• farming and agriculture• trucks, tractors, and

trailers• food processing

equipment• construction equipment• machinery and production

equipment• warehouse racking and

shelving• forklifts and material

handling equipment• bar-coding devices

• computer software, equipment and peripherals

• furniture• office equipment• telecommunications

systems• printing and publication

equipment• petroleum equipment• restaurant and food

service equipment• test equipment

Business Equipment LeasingCompetitive and flexible equipment leasing solutions

At Tri Counties Bank,

our breadth of financial

services, business banker

knowledge, local insight and

personalized problem solving

provides a unique brand of

Service With SolutionsTM.

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