1 408 272 4927
 info@hotncold.com
 
ABOUT OUR COMPANY

    LEASE TO OWN  

AUTOMATIC ESPRESSO MACHINES can help you get the equipment you need now with an affordable monthly payment plan.
This is not a rental were you are just pouring money down the drain. This is a lease where you can actually own equipment for a token payment as low as One Dollar, at the end of the lease period.  We offer leasing for purchases starting at $2,999.99 to $150,000.00 nationwide for all the equipment we
sell. A lease can be approved in as little as four hours with a complete application

Credit Guidelines for Established Businesses (2+ years in business) 
   
Equipment Cost Range:  $3,000 to $150,000
    FICO score of  600+
(a 590 will be considered with a credible explanation)
    Information Requirements
        $3,000 - $50,000:  Application only
        $50,000 to $75,000:  Application, 1st page of the last three bank statements and one year of financial statements.
        $75,000+:  Application, bank statements and two years of financial statements

Credit Guidelines for Start-ups (less than 2 years in business) 
    Equipment Cost:  $5,000 to $50,000
    FICO:  650+
    Application and bank statements required

Corporations in business for 5 + years with good credit can lease equipment without a personal guarantor

 You may have been turned down for leasing in the past because you haven't owned your business long enough or had some credit problems. Fill out the application and send it in, there is no obligation. Let our leasing experts help you get the equipment you need now.

Click here for Lease Application

FACTS ABOUT LEASING

NO DOWN PAYMENT REQUIRED
   
Most traditional financing options require a sizeable down payment.
   
Banks typically require as much as 20% down.
    No down payment is required and leases can include "soft" costs like installation, freight, and training.
    Typically only the first and last payment in advance are need to start the lease.

EASE, CONVENIENCE, AND FLEXIBILITY
    Streamlined Documentation as listed above
   
Fixed payments allow for easy budgeting
    Flexible lease structure designed to fit individual needs
    A
Master Lease Line of Credit lease can be issued to:
       
1. Allows for a one-time credit analysis
        2. Allows clients to acquire equipment sporadically over time

ASSET MANAGEMENT
   
Lessees pay equipment rental payments as they use the equipment.
    Businesses do not pay their office staff three years in advance.
    Rather, they pay their employees as they contribute.
    Business equipment should also be paid for as it produces.

AVOID TECHNOLOGICAL OBSOLESCENSE
   
Leasing matches the term to the useful life of theequipment and allows accelerated depreciation.

TAX BENEFITS
   
Certain lease structures allow the lessee to write off 100% of the monthly payment against their
    tax liability at the end of the year.
    Lease payments can be operating expenses that come out of pre-tax earnings rather than after-tax profits.

FEWER BUDGET RESTRICTIONS
   
Leasing allows the acquisition and use of the equipment while working within budgeted guidelines and limits.

ESTABLISH ADDITIONAL LINES OF CREDIT
   
When equipment is purchased with borrowed funds, credit lines with lenders are depleted.
    When equipment is leased, businesses keep their lines of credit in tact for short term needs.

KEEP DEBT OFF BALANCE SHEET
   
Generally accepted accounting principals allow lessees to acquire income–producing assets without the
    accompanying debt appearing on their balance sheet.

 
 
Call Us : 1-408-272-4927  Acceptance Mark Email:info@hotncold.com
Member: Specialty Coffee Association of America, American Independent Roasters Association,
Last Update 09.12.2007  
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2761 CAMINO DEL REY, SAN JOSE CA 95132