Commercial Financing                                              BBB Accredited Business
BBB Accredited Business Equipment Leasing

Thirty Reasons Why
Businesses Fail...

1. Insufficient control over the cost/quality of your product.

2. Lack of proper inventory stock control.

3. Buying inventory short and selling long.

4. Under pricing the goods you are selling.

5. Poor customer relations.

6. Failure to promote and continue promotion of your public image.

7. Poor public relations with suppliers of goods and services to your company.

8. Management’s lack of ability to reach decisions quickly and act fast.

9. Failure to keep pace with management aids as conditions change.

10. Real and psychosomatic illnesses of key people.

11. Reluctance to be aware and seek professional assistance when needed.

12. Failure to minimize taxation through proper advice on tax planning.

13. Inadequate insurance programs.

14. Lack of planning and forward impetus in sales department.

15. Poor human relations with your staff.

16. Loss of key personnel.

17. Lack of total knowledge of your product, merchandise or services.

18. Inability to foresee and cope adequately with competition.

19. Complacency about competition.

20. Failure to anticipate market trends in connection with your products & services.

21. Failure to anticipate market trends in regard to purchases.

22. Lack of control of liquid assets.

23. Insufficient planning for future capital needs.

24. Failure to stay within the bounds dictated by capital availability.

25. Lack of budgeting or failure to adhere to budget.

26. Refusing to recognize factuality of financial position.

27. Poor record keeping.

28. Granting of too much credit.

29. Purchasing too much on credit.

30. Poor receivables control.

BBB Accredited Business


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Equipment Leasing
Restaurant Equipment Leasing  Leasing For All Businesses & Restaurants!
EQUIPMENT LEASING
Start-Up & Established Business Leasing Needs
Good, Average and C Credit Types!



All Businesses
Up To $25,000!

“B - C” Credit- OK!
Start-Up Restaurants - OK!
Start Up Business - OK!
Established Business - OK!
Most Kinds of Equipment Leased!

Leasing
Specializing in leasing small dollar equipment with a focus on transactions ranging from $3,500 to $10,000 with FICO Scores starting at 550!

Transactions ranging from $10,001 to $25,000 with FICO scores starting at 640!
(Depending on Credit History)

A Proprietary Credit Scoring and Risk Adjusted Credit Model is utilized with a “Pass/Fail” system. This means approval for more credit situations, including:
* Start-up businesses with no business credit history!
* Industries that are usually disqualified by other leasing companies!
* Businesses with challenged credit histories!

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Equipment Not Allowed For Leasing: 
Titled Equipment, Cars and Trucks, Software, Used Copiers, Office Furniture, Restaurant Furniture, Oven Hoods or Fire Hoods, Sinks, Walk-In Refrigerators and Water Products.

Start-up Leasing
Restaurant Equipment Leasing  Other Lease Programs Offered:

C-Credit and Impaired Credit Lease Program. . .
NO Start-Up Businesses or Restaurants Allowed!

C-credit leasing, $5.000 to $75,000, that provides a unique alternative to credit scoring. Funding new business start-ups and older businesses with weaker credits by rolling up our sleeves to understand "their story". Leases are approved and funded based on common sense, and the borrower's potential for positive business cash flow!

Leasing program is an unique approach to approving leases by interviewing the borrower to understand "your story." A lease is then structured to fit your needs. We strive to approve all leases without additional collateral. However, sometimes leases are approved with larger deposits or additional collateral.

Program allows for common sense underwriting to drive the decision making process. The program works to find ways to approve transactions. Credit score is not considered for underwriting this lease program.   (Not available in Louisiana)

Medical Doctor Financing

Established Business Lease Program
• Time in business 4 years and longer, under same ownership
• Application only from $5,000 - $75,000
• Full Financial Package - $100,001 - $200,000 (Maximum funding is $200k)

Personal Credit Requirements:
• Credit score 600 Fair Isaac (Experian)
• All personal Bankruptcies must be six (6) years or older with NO derogatory credit after the BK was discharged

Developing Business Lease Program
• Time in business 1.5 years to 4 years, under same ownership
• Application only from $5,000 - $75,000
• Full Financial Package - $75,001 - $125,000 (Maximum funding is $125k)

Personal Credit Requirements:
• Credit score 600 Fair Isaac (Experian)
• All personal Bankruptcies must be six (6) years or older with NO derogatory credit after the BK was discharged

New Business Leasing Program

Start-Up Businesses 1 Year In Operation
• Application only from $5,000 - $25,000
• Maximum term is 36 months
• ACH required for payment
• 1st Plus two (2) payments as securities due at signing
• Proof of business filing with State or Business Certificate
• 100% business ownership required
• Proof of a business bank account with a $4,000 balance
• Proof of business phone via phone bill or phone work order
• Proof of business location via property lease agreement

Personal Credit Requirements:
• No Start-Up Restaurants
• Must be homeowners with a minimum 600 FICO Score (Experian)
• Must have clean credit with no slow pays in the past year
• Must have clean credit with no prior bankruptcies, suits, liens, judgments, collection accounts or charge-offs
• Must have a credit history file of at least ten (10) years or older
• Must have at least five (5) active trade lines open on their credit report
• Must have at least 25% revolving available
• MINIMAL leasing inquiries in the last 6 months
• Must have less than $50,000.00 in revolving credit card debt

Conventional Program - Titled and Non-Titled Equipment
Minimum FICO Score - 600 Co-Signers Accepted...
$5,000-$80,000 Up To 60 Month Term...
Minimum 6 Months in Business...
No Home Ownership, No Additional Collateral...
Requires 6 Months Bank Statements
Average Balance 2 Monthly Payment with Sales Tax...

High Collateral Program - Titled and Non-Titled Equipment
Minimum FICO Score of 600 Co-signers Accepted...
$10,000-$150,000...
Up to 50 Month Term...
Minimum of 6 Months in Business
Home Ownership and Additional Collateral to Equal Lease Amount.
Requires 6 Months Bank Statements...
Average Balance 2 Monthly Payment with Sales Tax...
Equipment Leasing
Contact Information:

BRT Financial, Inc.
eEquipmentLease.com
450-106 State Road 13N, Suite 408
Jacksonville, FL 32259
Tel: 904-551-6090
Fax:904-513-9229
BRT Financial BBB Rating
Free Credit eBook Free e-Book
• Understanding Your FICO Score!

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