Financing Programs

VGM Financial Services offers a broad selection of leasing and equipment financing products to meet your specific needs. The majority of these products are listed below. We can also customize products to help design a solution tailored to fit your exact needs.

Standard Programs

These terms are the most used payment options for most businesses. They range from 12 to 84 month transactions (with $1.00, Fair Market Value, or 10% purchase options).

Step Lease Program

This program allows the equipment to start to generate financial benefits before lease payments start. For example, the first eight lease payments can be an amount that fits your cash flow/reimbursement needs, followed by normal payments.

12 + 1

A thirteen-payment lease ideal for shorter term items. The lease payment equals the equipment cost divided by 12. Most 12 + 1 programs are set up on a $1.00 purchase option lease.

Deferred Program

The same as a standard program with a 60-180 day deferment built into the beginning of the payment stream. The lessee takes possession of the equipment now and starts payments in 2 to 6 months, depending on how the lease is setup.

Pay Per Use

The Pay Per Use program allows you to acquire much needed equipment now with no upfront capital investment. Payments are tied to equipment usage and are paid for with revenue from equipment performance, which positively affects cash flow.

Seasonal Payments

A good opportunity to match lease payments to business activity. Popular programs include 6 months of payments, 6 months of no payments or 8 months of payments followed by 4 months of no payments.

End of Term Options

End of term options depend upon the lease program you choose and include $1.00 purchase option, Fair Market Value and a stated buyout P.U.T. - Purchase upon termination.