Financing from Balboa Capital

Balboa Capital is one of the nation's leading privately held DIRECT lenders specializing in equipment leases. Since we are a private company and we use our own money, approvals are much more aggressive, and rates are very competitive. Printable Credit Application: PDF or Word Primary Contact: Brandon Finazzo - Account Executive tel.949-553-3414 fax.949-399-3114 brandonf@balboacapital.com

Quick Overview
Balboa Capital works with A-D credit and start ups Balboa Capital is a direct lender, making it easier and faster for approvals and funding Terms from 24-60 months, with a one page application only program $1,500.00 to $5,000,000.00 in financing available	Anticipated Approval Ratio: 80% No Financial Statements Under: $150,000 Credit Turnaround < 2 Hours: 80% Return Calls in: 1 Hour Return Emails: 1 Hour

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Easy and fast

• 1 page credit app (Simple and non-invasive)
• No bureau reporting so it won't affect customer's credit to lease
• 2 Hour credit decisions
• 2 page lease documents
• All documents are faxable including the deposit check so no need for FedEx shipping costs

Improved cash flow

Low affordable monthly payments allow you to keep more money in the bank which promotes cash flow needed to operate your business

Fixed monthly payments

• Rate will never change over the course of the term
• No guess work or penalty for paying your minimum monthly payment like on a credit card because the payments don't fluctuate

100% financing

Cover costs of installation and other soft costs as well as all equipment involved in transaction. Using leasing can be a way of obsolescence protection because you can return and upgrade at the end of the term.

Off Balance Sheet Financing

Lease purchase doesn't show on financials as a depreciating asset which will increase the strength of company because the government looks at it as a rental and not a purchase, which may allow more room for the customer to get approved for credit for other things he may need for his business.

Tax Benefits

Section 179 allows customer to write off the entire stream of payments in the first year up to $250K as opposed to depreciating it over the course of the term as you would with a bank loan.