IS PAYING BY CASH OR CREDIT CARD FOR YOUR ZUCCARINI PURCHASE THE BEST OPTION?
LEARN HOW QUICK, HASSLE-FREE BUSINESS FINANCING (LEASING) MAY BE YOUR BEST OPTION.

ELIMINATE YOUR BUSINESS DEBTS QUICKLY?

Many small businesses try to avoid business debt whenever possible. They pay cash for their business equipment instead of leasing. Sure, reducing debt makes sense, but if you have healthy cash balances in your business bank account why not take a dividend and pay down your personal mortgage that is not tax deductible? Attempting to minimize your tax deductible business debt, when you have a non-tax deductible personal mortgage may not be your best option.

LOW RATES

Business equipment financing (lease) rates offered by Guardian Leasing are very competitive. What’s your rate? We’d love to tell you,but first they need to review your credit and what you are purchasing. Don’t have much time? Not to worry, their Credit Application is simple and generally takes two minutes to complete. And you’re under no obligation if you don’t like their terms!

SAVE MONEY (and time)

Are you purchasing items from more than one supplier, either now or over the next twelve (12) months? No need to waste time completing a credit application with each supplier. Now you can complete one Credit Application for ALL your business equipment purchases and get a lower rate!

Guardian Leasing will finance most assets including furnishings, kitchen equipment, refrigeration equipment, POS systems, signage, HVAC (ventilation) systems, delivery trucks and more. Your Zuccarini purchase will be prioritized and the balance of your lease line-of-credit can be used at the equipment supplier(s) of your choice.

WHY BOTHER BUILDING
BUSINESS CREDIT HISTORY?

Good business credit is important because it can save you money. Your suppliers will check your credit history from time to time to determine if they should do business with you and under what terms. Will you be forced to pay “cash” with a supplier or will they give you 30 days “free” to pay?

You might decide you want to purchase an existing business, but need a bank loan. Will a bank give you a line-of-credit at their Prime Rate or will they charge you Prime+3{ff0d0f997f8c8b4f08787243a550cc20d5c1e33022ca913604f1d387ba11ea7f} plus a 2{ff0d0f997f8c8b4f08787243a550cc20d5c1e33022ca913604f1d387ba11ea7f} fee because they consider your credit history marginal? Plan on selling your business one day? You may receive a higher sale price if your credit rating is good. Lease your purchase and develop your credit history.

CASH-FLOW IS CRITICAL

The health of any business depends on good cash-flow. Consider your upcoming (larger) expenses: will paying cash now delay those mandatory expenses? Are you approaching your slow season? Or what if a competitor begins to slow your business growth?

Maintaining a healthy cash balance at your bank can help your business survive and prosper. Negative bank balances can be costly with overdraft charges, interest as well as potential damage to your good credit rating. Lease your purchase and keep a healthy amount of cash in the bank.

LEASING YOUR PURCHASE MAY PROVIDE TAX SAVINGS!

When we say “tax savings”, in simple terms we mean your business makes more “after-tax” money. Most Guardian Lease payments are 100{ff0d0f997f8c8b4f08787243a550cc20d5c1e33022ca913604f1d387ba11ea7f} tax deductible. However, pay “cash” and you must depreciate your equipment and write off the interest expense portion.Maintaining a healthy cash balance at your bank can help your business survive and prosper. Negative bank balances can be costly with overdraft charges, interest as well as potential damage to your good credit rating. Lease your purchase and keep a healthy amount of cash in the bank.

CAN DEALING WITH A BANK BE RISKY?

Did you know that if you have a business bank loan at same institution as your residential mortgage and your business defaults, your home is potentially at risk? As well virtually all business bank loans are “demand loans”, meaning if your bank decides they don’t want you as their customer they simply demand immediate repayment.

This can be a catastrophic event for any business. Guardian Leasing offers flexible leases not demand loans. And unlike a bank, we won’t be asking you to regularly provide financial statements to monitor your performance.