By using such a wide variety of lending sources, JML Equipment Leasing, Inc. has programs available for just about every business type, size, age or credit profile. We can tailor a lease program to fit your needs.

Application Only

Our "app only" program lets us process a lease using a simple one-page
credit application. This eliminates the need for cumbersome financial
statements and reporting. This program is usually used for leases up to
$250,000.

Commercial Select

This program is designed for select good-credit profiles and most
equipment types. The minimum time in business is two years.

Business Start-Ups

This program is designed for "young businesses" with less than two years in business. Some programs will allow ventures with less than one month in business. Usually there is a limit of up to $35,000, and the principal should have good credit.

"Corp. Only"

This program considers a transaction without a personal guarantee,
providing the corporation is well established with a verifiable credit
history. Usually a satisfactory D&B Rating is required.

Second Chance Programs

These programs are designed for the credit that falls out of standard
underwriting guidelines. Many of our lenders understand the dynamics of
running a business and the financial challenges associated with business
ownership.

Hard Asset Program

This program gives extra weight to preferred collateral such as heavy
equipment, printing, industrial and construction. These leases are
underwritten at a more discounted rate.

Financial Packages

For lease applications over $250,000, most lenders require additional
financial information. This may be in the form of tax returns, corporate
and/or personal financial statements and proformas. Sometimes this
information can be required for borderline credits or as a tool for
requesting a preferred lease payment.