Corporate Financing
With a full suite of lending products, we are here to provide guidance on the best options for you.
Project Financing & Lease Line of Credit
When you have a larger project involving several vendors, you can simplify funding with a lease line of credit. The designated credit line is available throughout the project and can be used across several vendors.
- Maintains your liquidity
- One lease payment
- VFI helps comprehensively manage vendors for you
- Improves cash flow
- Simplifies administration and accounting
- Fast and efficient funding
For financing large projects with multiple vendors, choose a lease line of credit to streamline processes and ensure funding is ready and available when you need it.
ASC 842, Finance (Capital)
& Operating Leases
ASC 842 is an accounting standard that governs how companies report lease assets and liabilities on their balance sheets. It applies to both operating and finance leases of both new and used equipment. In the lease arrangement, the financial implications must be properly recorded according to the standard.
- Improve transparency
- Obtain more flexible lease structures
- Easily manage your balance sheet
- The lessee may take ownership of the equipment at the end of the lease
Choose an ASC-842 lease to optimize the financial reporting of equipment leases without ownership while adhering to accounting standards.
Tax or Non-Tax Lease
In a tax lease, the lessor retains ownership of the equipment for tax purposes, allowing you, the lessee, to use the equipment.
- You have lower monthly payments, and the lessor claims the tax benefits, such as depreciation
- You retain the option to purchase the equipment at the end of the lease term
- In a non-tax lease the lessee retains depreciation and other benefits of ownership
A tax lease works best if you want to reduce upfront costs, do not require immediate ownership, and want to retain the option to purchase the equipment later.
Sale Leaseback
In a sale leaseback arrangement, you can capitalize on your existing assets by selling them to a leasing company and then lease it back for your use. This provides a capital infusion to invest in your business growth.
If you own valuable equipment, want to improve cash flow, preserve owner’s equity, and also continue using the equipment, a sale leaseback is a good option.
Free up cash for other investments or operational needs
Maintain operational use of the equipment while improving liquidity
Can offer tax benefits depending on the lease structure
Skip or Step Payments
These leases allow for flexible payment schedules. Designed for companies that have fluctuating cash flows, skip payments allow for months with no payments, and step payments gradually increase or decrease over time.
A skip or step payment loan works best if you have fluctuating or seasonal cash flows and want a lease structure that aligns with your revenue cycle.
Highly flexible and adaptable to a company’s cash flow
Skip payments can align with seasonal business cycles
Step payments allow for gradual payment changes as revenue grows or decreases
Asset-Based Lending (ABL)
Asset-based lending allows you to utilize your existing assets as collateral for capital financing or acquisition. Funding amounts are determined based on the value of your assets, such as equipment, real estate, and other asset classes.
- Increase your borrowing power and get immediate access to cash
- Greater flexibility than traditional loans
- Funding solutions are scalable for businesses in growth phases
Asset-based lending is useful for companies with substantial assets looking for alternatives to traditional financing or equity financing and can be a powerful tool to increase liquidity.
USDA
Entrepreneurs, developers and job creators in rural communities can access capital through the USDA Rural Development program with VFI as your partner. The USDA developed these programs to strengthen economies and bolster quality of life in rural areas.
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Obtain financing for rural community projects when large banks are
not the right source - Favorable terms aligned to the specific needs of rural community loans
- Government-guaranteed lending
USDA commercial loans are available for business and industry loans; community facilities like schools and hospitals; and rural energy projects.
SBA
Designed to help small businesses secure financing for various business purposes, such as expansion, purchasing equipment or inventory, refinancing debt or acquiring real estate.
- Financing personalized for small businesses and fast access to capital
- Lower interest rates and favorable terms
- Backed by the Small Business Administration
