Dynamic Funding, Inc. makes equipment leasing simple and quick. We’ll process your credit application internally or through our established partnership channels to work around your schedule, your desired terms and specific needs.
To get started just give us a call at 303.754.2026 or download a Credit Application.
We offer commercial financing or commercial leasing in the form of operating leases or capital leases. We’ll learn your business and work with you directly to determine which of the two options makes sense for your business.
An Operating Lease, also known as a fair market value lease, has the characteristics of a usage, or rental, agreement. A lease qualifies as a true operating lease if it does not have any of the following accounting characteristics:
- Title to the property is automatically transferred to the lessee by or at the end of the lease term
- The lease contains a bargain purchase option
- The lease term is equal to or greater than 75% of the estimated economic life of the leased property
- The present value of the minimum lease payments at the beginning of the lease term is equal or greater than 90% of the fair market value of the property with a discount rate that is is the lessee’s incremental borrowing rate
A Capital Lease is also known as a financial lease and has the characteristics of a purchase agreement. It is essentially a 100% loan. Full payout and $1.00 buyout are also terms associated with a capital lease. A capital lease has three basic characteristics:
- It has a term equal to or greater than 12 months
- The lease contains a bargain purchase option
- It is a “net” lease in that the lessee is responsible for the incidence of ownership
- It is a full pay out
