USAFG provides financing from $5,000 to $5,000,000 in the form of two programs:

EXPRESS LEASE: $5,000 - $75,000

COMMERCIAL LEASE: $100,001 - $5,000,000

USAFG's Credit Guidelines
USAFG can approve most lease applications in just a one day. To help expedite the process, remember this:

The most important contribution you can make to the credit process is to provide accurate and complete information on the application. A rule of thumb: including too much information never hurts; too little information never helps.

Here are some specifics:

Time in Business
The business must be in operation for at least two years to qualify for any of our standard lease plans. However, we do offer a special New Business Program for those who are just starting a new business.

Type of Business
Although we review each application on an individual basis, those businesses with historically high success rates are naturally preferred.

Type of Equipment
The type of equipment to be leased must be appropriate for the type of business submitting the application to be approved by Alliance.

Checking account History
The lessee must have a business checking account with at least a 6 month history of activity that reflects prudent financial management practices. For new businesses we review existing personal checking accounts.

Trade References
We ask for at least two trade references with whom we can verify a relationship and credit history that bills are paid in a timely fashion.

Personal Credit History
We look for a favorable record from the reporting bureaus: the amount of unused, available credit, as well as the overall payment and credit history. Applicants with no chronic history of late payments, tax liens, judgments or bankruptcies are preferred. However, Alliance does offer a "Second Chance" finance program for the more challenged credits.

Express Lease sets the standard as the industry's fastest, most flexible source of lease funding for small-ticket equipment. Featuring:

Credit from $5,000 to $75,000 without financial statements.

Straightforward credit policies.

Competitive rates.

Fast, professional service.

Flexible payment programs.

USAFG Express Lease can accommodate a wide variety of equipment types, as well as various lease terms, payment plans and end-of-lease options. Plus it offers outstanding lease service benefits.

For example, a one day credit decision is available on Express Lease transaction with no bank or trade information required. And with our Express Plus service, you may qualify to receive automatic approval for additional credit that can be used immediately to acquire one or multiple pieces of equipment.

In addition, specific programs are available to customers in specialized industries, as well as state, county and local municipalities. In lease financing there are no "one-size-fits-all" solutions, and so we seek to tailor our programs to your unique situation.

Do your needs exceed $75,000? With USAFG's Commercial Lease product you can get the major equipment you need to achieve competitive dominance, without a significant out-of-pocket expenditure. We offer:

Credit from $75,001 to $5,000,000 for equipment.

Competitive pricing.

Flexibility in submission and funding.

Prompt, professional service for the life of your lease.

Our Commercial Lease can help you solve your most complicated equipment acquisition problems with a variety of lease terms, payment plans and end-of-lease options. With our open-minded approach, we look at all the alternatives and take into account not just financial statements but write-ups requested with commercial submissions.

From credit decisions and funding to administration of your lease, we're organized to deliver quick response and superior service, including expert advice on terms and structuring. We want to make sure our lease works to your advantage, building competitive power and profits - fast.

Requirements

For equipment cost over $75,000 all we need is the following information: