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Brandywine Capital Associates
Happy Thanksgiving

At this special time of year, the team at Brandywine Capital joins together to gratefully acknowledge your friendship and continued support.  Our customers are always at the forefront of everything that we do, and we would like to wish you and your family a very happy and safe Thanksgiving!

Please note that in observance of the Thanksgiving holiday, our office will be closed on Thursday November 26th and Friday November 27th.  We will resume normal business hours on Monday November 30th.

Our Office

Brandywine Capital Associates - HQ
113 E. Evans Street
West Chester, PA 19380
Toll Free Phone:
(888) 344-2920
David Salome x26| email
Lauren Suhre x24| email

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Lease or Loan? Ten Tips to help you decide - Part II - by William Sutton, President and CEO, Equipment Leasing and Finance Association


6.  Can the company use the depreciation or would the company get a greater benefit from expensing the lease payments?   The tax treatment of the financing arrangement is an important consideration in choosing between a lease and a loan.  A loan provides you with the depreciation tax benefit; with a lease, the lessor owns the equipment and realizes the tax benefit, which is usually reflected in a lower monthly rent payment for your business as well as the ability to expense the payment.  In many instances, if your business cannot use the tax benefit, it makes more sense to lease than to purchase through a loan because you can trade the depreciation to the lessor in exchange for better cash flow. 
7.  How will a working capital facility be impacted?     Many businesses have an aggregate line of credit through a bank that can they can use for inventory purchases, improvements and other capital expenditures.  Depending on the lending covenants, it is often possible, as well as preferable, to preserve your bank working capital by leasing equipment through an equipment finance provider. 
8.  How flexible does your business want the financing terms to be?    A lease can provide greater flexibility, since it can be structured for a variety of contingencies, whereas with a loan, flexibility is subject to the lender's rules.  If your business has continuing use for the equipment at lease termination, extended rentals, purchase options, trade-ups and return options are available.  The lease term allows your business to match all expenses to the term of the equipment's use, including income tax expense, book expense and cash expense.  Most importantly, as mentioned previously, the expense stops when the equipment is no longer required. 
9.  Do you anticipate the need for additional equipment under your financing agreement?     If your business is planning for growth, you can enter into a master lease that will allow you to acquire multiple pieces of equipment under multiple schedules with the same basic terms and conditions.  This provides greater convenience and flexibility than a conditional loan contract, which must be renegotiated for additional equipment acquisitions. 
10.  Who can help me evaluate what's best for my business?    Whether you finance equipment through a lease or loan, each has its advantages.  When making the decision between a lease and a loan, it is highly recommended that you consult with your accounting professional, as well as draw on the resources of your equipment financing provider to enable you to secure the best possible terms for your lease and/or loan.  



Rates are at historical lows - credit standards have returned to more realistic levels and Brandywine Capital remains committed to helping your company obtain the capital you need to continue to grow your business. We pledge to continue to work in an ethical, efficient and proactive way to provide your financing.

The future is here today.



How does Brandywine
Capital do business?
Application Only Approvals in hours.  Approvals in hours in excess of $150,000.

Plain English. Our documents are clear and understandable.
No hidden fees or surprises. We charge only one fee – to prepare all the proper documents for your transaction – before your transaction takes place.
No automatic renewals. Unlike others, our agreements do not automatically renew without your knowledge.
No end of lease surprises. Any payments due at the end of your lease – such as a buy-out amount – are discussed with you and clearly stated in your documents.
Consistent billing.  Your payment due date is always the same every month.
Three simple steps with Brandywine
Apply in minutes – with our one page application available online
Approval in hours – not days or weeks
Funds available in days – no long delays


Member, Equipment Leasing and Finance Association, and Eastern Association of Equipment Lessors

Customers and Vendors needing information on Equipment Financing

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