Financial Solutions
Taylormades' Financial Solutions program offers a different way to get what you need for your business without a traditional loan. We provide 100% commercial financing, and the debt is only reported for your business, not your personal credit. Your personal credit stays as it is, without more debt or higher debt-to-income ratios. This is the only financing option that keeps your business and personal credit separate. Whether you're just starting out or have been in business for a while, buying the equipment you need to grow can be tough without using up all your working money.
Specialty Lending Opportunities
At Taylormade Consultants, we take pride in offering specialty lending opportunities that cater to the unique needs of our clients. Whether you have A-B-C-D credit, we have solutions tailored for you. Our mission is to empower Owners and Businesses by providing access to tailored financial solutions. Whether you're a budding entrepreneur seeking startup capital or a business owner in need of expansion funds, our specialty lending programs are designed to address your specific financial goals. We understand that one size doesn't fit all, which is why we work closely with our clients to find customized lending solutions that suit their circumstances. With our expertise and commitment to your financial success, you can trust us to guide you toward a brighter financial future.
Our Financing Options to Better Service You
Discover more about our extensive range of professional services. We constantly update this page, but if you still can’t find what you’re looking for, please feel free to get in touch with us – we will be more than happy to help.
Equipment Finance Agreement
Taylormades' equipment finance program offers a different way to get what you need for your business without a traditional loan. We provide 100% commercial financing, and the debt is only reported for your business, not your personal credit. Your personal credit stays as it is, without more debt or higher debt-to-income ratios. This is the only financing option that keeps your business and personal credit separate. Whether you're just starting out or have been in business for a while, buying the equipment you need to grow can be tough without using up all your working money.
Working Capital
As seasoned consultants, we specialize in connecting small and medium-sized businesses with seamless financing solutions. Whether you're gearing up for growth or require immediate capital, we've got your back. Our expertise ensures you access versatile funding options for your unique business needs. Partner with us today and tap into our resources, spanning various industries, with Working Capital solutions of up to $250,000. Elevate your business with our services!
Sale-Leaseback
A Sale-Leaseback, tailored for business owners, is a strategic financial move. Here's how it works: you sell an asset, valuable equipment, that you currently own, to a financial institution. At the same time, you enter into a lease agreement with the financial institution, allowing you to continue using the asset for your business operations. This smart financial strategy provides an injection of capital that you can utilize for various purposes, such as business expansion, debt reduction, or seizing growth opportunities. It's a valuable financial tool that enhances your business's financial flexibility and liquidity.
Seasonal Payments
Whether you're a business dealing with seasonal revenue variations or an individual managing expenses throughout the year, our seasonal payment plans can help you sail through the peaks and valleys of your financial journey.
Enjoy the convenience of making higher payments during your prosperous times and lighter payments when your budget needs a breather.
Trac Lease
A Commercial TRAC Lease offers fixed monthly payments, which simplify budgeting and cash flow management. This financial structure is designed to maximize your financial flexibility, allowing you to allocate your working capital to other vital areas of your business.
One of the standout features of a TRAC Lease is the option to purchase the leased vehicles at the end of the lease term, at a predetermined competitive price. This also offers tax advantages, making it even more appealing for businesses. Plus, we ensure transparency with terminal rental adjustments based on the real market value and condition of your vehicles at the end of the lease.
SBA Loan
An SBA loan, or Small Business Administration loan, is a government-backed lending program in the United States designed to support small businesses. These loans are offered through participating banks and lenders, with the SBA providing a guarantee to the lender against default. SBA loans typically offer favorable terms, such as lower interest rates and longer repayment periods, making them an attractive option for small businesses seeking financing for various purposes, including working capital, expansion, equipment purchase, or real estate acquisition. The SBA's backing reduces the risk for lenders, making it easier for small businesses to access much-needed capital to grow and thrive.
Private Party Sale
Private party sale financing refers to obtaining financial assistance or loans to purchase an item from an individual seller rather than a traditional business or dealership. This financing is often used for buying used vehicles. It involves securing a financing arrangement from a lender to cover the cost of the purchase, allowing buyers to make payments over time. Private party sale financing can offer flexibility and convenience when buying from individuals, helping borrowers afford big-ticket items while spreading the cost over a period of time.
Types Of Equipment You Can Finance
- Agricultural machinery
- Agricultural irrigation systems
- Audiovisual equipment
- Automotive repair tools
- Aviation equipment
- Bakery equipment
- Beauty salon equipment
- Brewing and distilling equipment
- Commercial cleaning equipment
- Commercial kitchen and restaurant equipment
- Commercial laundry equipment
- Commercial refrigeration units
- Commercial vehicles (trucks, vans)
- Computers and IT hardware
- Construction machinery
- Dental and medical imaging devices
- Dental chairs and equipment
- Earthmoving equipment
- Elevators and escalators
- Entertainment and event production gear
- Food processing machinery
- Forklifts
- Furniture and office fixtures
- Generators
- Greenhouse equipment
- Gym and fitness equipment
- HVAC systems
- Industrial ovens
- Industrial robots
- Landscaping and gardening tools
- Marine vessels and equipment
- Manufacturing equipment
- Material handling equipment
- Medical equipment
- Mobile food trucks
- Oil and gas drilling equipment
- Oilfield equipment
- Packaging machinery
- Photography and studio equipment
- Point-of-sale (POS) systems
- Poultry farming equipment
- Printing and graphic design equipment
- Printing presses
- Refrigerated transport vehicles
- Renewable energy equipment
- Restaurant kitchen appliances
- Scientific laboratory instruments
- Security systems and cameras
- Semiconductor manufacturing equipment
- Surveying and mapping tools
- Telecom equipment
- Textile machinery
- Veterinary equipment
- Waste management equipment
- Water treatment systems
- Welding machines
- Woodworking machinery
- And more...
How does equipment financing differ from a traditional business loan?
An equipment finance agreement (EFA) is a financial arrangement that allows a business or individual to acquire equipment or machinery for their operations without purchasing it outright. It's a common method for obtaining equipment in industries where specialized or expensive machinery is required. Here's how it differs from a traditional loan:
Ownership:
- EFA: In an EFA, the lender typically retains ownership of the equipment until the lessee makes the final payment, which may include a nominal buyout amount. Once the final payment is made, ownership is transferred to the lessee.
- Traditional Loan: With a traditional loan, the borrower owns the equipment from the moment of purchase. They may use the equipment as collateral for the loan, but they have full ownership rights from the beginning.
Collateral:
- EFA: The equipment being financed serves as the primary collateral for the agreement. If the lessee defaults on payments, the lender can repossess the equipment.
- Traditional Loan: While the equipment can also serve as collateral in a traditional loan, other forms of collateral or personal guarantees may be required depending on the lender's policies and the borrower's creditworthiness.
Payments:
- EFA: Payments in an EFA are typically structured as regular lease payments, which can be customized based on the lessee's cash flow and budget. These payments are often fixed for the term of the agreement.
- Traditional Loan: Traditional loans involve regular principal and interest payments. The interest rate may be fixed or variable, depending on the loan terms.
Tax Treatment:
- EFA: Lease payments in an EFA may be tax-deductible as a business expense, which can provide potential tax benefits to the lessee.
- Traditional Loan: Loan interest payments may also be tax-deductible, but the accounting treatment may differ from that of lease payments.
End-of-Term Options:
- EFA: At the end of the EFA, the lessee often has the option to purchase the equipment for a predetermined amount (buyout option) or return it.
- Traditional Loan: With a traditional loan, the borrower owns the equipment outright at the end of the loan term.
Flexibility:
- EFA: EFAs are often more flexible than traditional loans in terms of structuring payments, allowing businesses to tailor the agreement to their cash flow needs.
- Traditional Loan: Traditional loans may have more rigid payment structures and may not be as adaptable to changing business circumstances.
In summary, an equipment finance agreement is a flexible financing option that allows businesses to acquire needed equipment without a significant upfront purchase. It differs from a traditional loan in terms of ownership, collateral, payment structure, tax treatment, end-of-term options, and flexibility. The choice between an EFA and a traditional loan depends on the specific needs and financial situation of the business or individual.
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