About Ritalia Funding
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us and how we can
be of service.
Specialty Commercial Financial Products
Ritalia Funding offers many types of leases
for equipment from $5000 to $100,000
The two most popular leases are:
Fair Market Value (FMV)
This plan is particularly beneficial to those
concerned with technological obsolescence.
Our Fair Market Value lease is designed for
our customers who expect the value of their
equipment to decrease quickly, or will want
to upgrade their equipment at the end of the
lease. At the end of a FMV lease, the lessee
has three options: extend the term of the lease,
return the equipment, or buy it at its fair market
value. With this lease, you generally have lower
monthly payments and you can write off %100
of your payments as an operating expense.
Please consult your accountant about the tax
treatment for your company.
· Apply with no need to submit financials
· Tax Advantages**
· At the end of the lease you pay the remaining
· value of the equipment or return it.
Dollar Buyout
This option is for those who are fairly certain that
their equipment will retain its value. Therefore,
they plan to purchase the equipment at the end
of the lease. When the lease term expires, you
can simply purchase the equipment for a $1 (or
$101 depending on your state's tax laws.)
· Apply with no need to submit financials
· No Tax Advantages**
· The lease is structured so the payments
· pay down the lease with just a $1 buyout
· at the end of the lease.
Ritalia Funding offers a Commercial Lease
for equipment purchases over $100,000
· Financials Required
· Ideal for more complex transactions
· Project financing available
· Equipment lines of credit
· Tax advantages**
** Consult your tax advisor.
Contact us for more information.
Email: inforf@ritaliafunding.com
Seasonal Payments
To meet seasonal fluctuations or other
cashflow constraints, this type of payment
allows you to arrange a payment schedule
so that you are making payments that rise
and fall with your business' sales peaks.
90-Day Deferred Payments
This payment schedule allows you to make
a smaller "contact" payment while deferring
regular payments for 90 days.
New equipment generally has a learning
curve associated with it; thus a deferred
payment plan can assist you while you are
being trained on the equipment.
Step Down Payments
With this payment program, you will make
a larger monthly payment at the beginning
of the lease and then your payments will
decrease over time. This is designed for
businesses that want to lower the total
amount of finance charges they pay over
the entire lease term.
Step Up Payments
This type of payment can be ideal for
growing firms that are looking to start
their payments low and increase them
over time while revenues from their new
equipment increase.
Quarterly Payments
If 12 checks per year is too much for you,
then you can make your payments once
every quarter.
Master Lease
If you business acquires equipment at
different times during the year then a
Master Lease Line is for you. Secure an
approval for multiple purchases at one
time and receive a discounted rate for
the entire amount. There is only one
Lease Agreement to sign.
10% Purchase Option
For those who like the flexibility of the
option to return the equipment or purchase
it at the end of the lease, but want to cap
their equipment buyout at a certain percent
of the equipment cost, this is the option
for you.
Master Lease Line
These special programs are designed
specifically for the current Ritalia Funding
customers. Under these programs, you
may qualify for an additional line of credit
with us, without providing
additional financial
statements. The increase in your credit line
will depend on your current pay history with
Ritalia Funding as well as your current
financial status.
Lease vs Buy
An overview of the
Business Benefits
of Technology Financing.
