Big Rig Truck Financing & Leasing

Truck Financing and Leasing

If your business is trucking we can help you build your fleet. We offer financing options to help you grow you’re trucking business.

Leasing offers your business a broad range of commercial truck financing options. We are excited to offer financing commercial work trucks, light duty and medium duty trucks for large and small business owners.

We believe that commercial work programs are essential to the success of a commercial business owner's ability to deliver their product to customers. We offer several financing options and services to offer too small to medium sized trucking companies.

"A" Credit: Trucking companies with good business credit history and owner operators with personal credit scores above 700, three or more years of experience, and a solid payment history for their previously financed trucks and trailers, will obviously enjoy the most favorable market rates.

"B" Credit: (Credit scores between 650 and 700) Offers many of the same benefits as our "A" credit

Our second chance program can help Fleet Owners and Owner-Operators that have personal credit scores as low as the mid-600s, if they have resolved most of their current credit problems and provided they have started re-establishing credit as a result of making regular on-time payments to their current creditors.

Whether you are acquiring additional equipment or just want to refinance the trucks & trailers you already have financed, we can help.

We can also turn any existing equipment that is already paid for into a source of working capital by offering you a Sale-Leaseback. TRAC (Terminal Rental Adjustment Clause) Leases can help fleet owners better manage their cash flow by providing lower lease payments and the possibility of a cash rebate at the end of the lease.

At the beginning of a TRAC Lease a residual amount is chosen, say 20%. The lease payments are then only based on the 80% of the equipment that is financed, thereby lowering the monthly payments. At the end of the lease you will have three options:

Purchase the vehicle for the Residual Amount.

Extend the lease by financing the Residual Amount.

Turn in the vehicle and be eligible for a "Rental Adjustment" based on the sales proceeds of the vehicle.

Whether you need two trucks or two hundred,  Equipment Leasing has the finance options to assist you with acquiring the equipment you need to operate your business.

I will be happy to discuss your needs and see how we can help you get he trucks you need. Help is a phone call away! 

Contact:

Bob Bruton
888-658-6669

Factoring Receivables

Factoring, 101 The Secret To Cash Flow

Cash flow is a problem for most businesses. In fact, it's the reason why most businesses fail. Receivables just don't come in fast enough to meet cash flow needs.

Factoring is simple, cost effective solution for your cash flow needs. Remember, factoring is not a loan. it is the purchase of Accounts Receivable at a discount. Companies factor their invoices for a multitude of reasons.

The "Growth" Factor - The Company has growth opportunities and needs cash for working capital (the growth in Accounts Receivable).

The "Time" Factor - The Company is in a transitional period financially and needs working capital to buy time for turnaround measures to be implemented and/or take effect.

FACTORING BENEFITS

Factoring enables businesses to maximize their cash flow by receiving funds early for their receivables. The process is simple. We PURCHASE (not a loan) invoices from the client, enabling them to get the majority of their money, tied up in accounts receivable, immediately (generally 80% advance or higher).

Bruton Capital client managers go to work to ensure these invoices are collected in a timely manner. The reserve (20%) less fees go to the client, invoice-by-invoice, on a weekly basis. Easy and Simple.

In essence, the client out sources it's credit and collection department. In doing so, they not only get their money more quickly but they realize many other benefits as well:

1. Credit Investigation: Provides a safety net minimizing risk of doing business with slow-pay or no-pay customers. Through risk management losses are minimized
2. Invoice Ledgering & Accounting: We provide our client with full accounting of all activities done on their behalf with a simple ledger that can be downloaded from our client web site directly into their booking software, thus reducing accounting cost.
3. Immediate Funding: Typically 80% of invoice value in as little as 24 hours.
4. Follow-up & Collections: We follow up on invoices to for timely payments, which reduce personnel and factoring.
5. Aging & Other Reporting: 24/7 State of the art reporting on our customized client web site. You can go in for invoice factoring whenever you need instant cash for meeting expenditure.

One bit of information that you must know beforehand is that in invoice factoring, your recoverable amounts themselves are the collateral, and you need no further securities.

We're an ideal silent partner that provides the capital, so you can run your business your way. If you ask for advice, we're ready to share our diverse knowledge and experience.

Our success comes through years of financial experience, but we leverage our corporate experience dealing with day-to-day business capital issues to ensure your factoring success.

We serve a variety of industries and companies of all shapes and sizes, but the bottom line is that all of the companies we serve have two things in common:

1. They believe that their people are driving their success.
2. A successful corporate culture is in the eye of the beholder. If it works for the company, the employees, shareholders, and customers - it works.

Contact Robert Bruton
888-658-6669