FAQ
An investment grade lender is an organization whose loan portfolio has received an investment grade rating from a major credit rating agency. While we maintain high credit standards that support this rating, we can lend across the full spectrum of credit profiles, from investment grade to non-investment grade borrowers.
Asset-based lending (ABL) is a financing structure where the equipment being financed serves as the primary security for the financing. This approach allows us to provide financing solutions across various credit profiles and industries since the equipment itself provides a strong form of security for the finance agreement.
Our typical business customers are established companies that have a minimum of three full years of financial statements plus year-to-date interim statements. Audited or reviewed financial statements are preferred. Our credit requirements are based on many factors including the cash flow of the business, current utilization of debt, collateral, industry, and other factors. Schedule a consultation for more details and to discuss your financing needs.
VFI finances a broad range of assets, including traditional equipment, and non-traditional assets like software, leasehold improvements, and soft costs associated with installation or setup. This flexibility enables us to support individual needs across various industries and asset types. If you’re unsure about asset eligibility, please schedule a consultation and we can help.
Once the lease documents are returned, funding typically takes between 1-3 business days.
The finance rates we offer are competitive with the market and other lending institutions.
Each client situation is unique, which is why we take a personalized approach to your transaction. Whether you need short-term solutions to keep debt off your balance sheet or extended repayment terms to improve cash flow, VFI has flexible terms and financing options tailored to your specific needs. Schedule a consultation to see how we can meet your needs with creative solutions.
Asset-based lending often provides faster access to funds compared to traditional loans. The approval process focuses on the value of your assets, allowing you to secure financing quickly to meet your business needs.
Leasing equipment offers several valuable tax advantages for businesses. The primary benefit is that lease payments are typically fully tax-deductible as business expenses, directly reducing taxable income. Unlike purchased equipment that must be depreciated over time, lease payments can often be deducted immediately, providing faster tax benefits. Under certain conditions, operating leases can be kept off the balance sheet, which improves financial ratios and can be advantageous for accounting purposes. Additionally, lease payments aren’t considered a preference item for Alternative Minimum Tax (AMT) calculations, potentially helping businesses avoid AMT complications. Some lease structures also allow companies to take advantage of tax credits and benefits that might not be available with direct equipment purchases. Schedule a consultation for more details.
We are able to finance 100% of project or equipment costs, providing you with a complete solution to support your business. VFI has experience across various industries and asset types, including sectors like oil and gas, mining, plastics, and ESG-focused projects. Our financing plans are structured to minimize upfront costs and offer flexible solutions that fit your cash flow needs. Specific terms may vary depending on the asset and financing structure. Schedule a consultation to discuss your project and how we can help.
