Simple, flexible financing with Geneva Capital.

We offer 3 main categories of financing - Equipment Finance Agreements (EFAs), Equipment Leasing, and Working Capital lines. Here are the things you should know about each option:

Equipment Finance Agreement (EFA)
This is one of the most popular and versatile equipment finance options. Think of it as a funding option that’s custom-tailored specifically for equipment purchases. If you want to own the equipment outright, are acquiring long-life assets, or want to leverage some great Section 179 tax benefits, an EFA might be a great fit.

Equipment Lease
Capital Lease: If tax benefits are important to you and you intend to own the equipment (not return or upgrade in the next few years), this is a great option to consider.

FMV Lease: Also known as an Operating or Residual Lease, the FMV is great if you’re looking for low upfront costs, affordable payments, and want to keep the option to return or upgrade open…making it an ideal structure for equipment with short life cycles or rapidly changing technology.

Working Capital
If you’re looking to finance something other than capital equipment, we’ve got a great unrestricted cash option to propel your business forward. Working Capital cash can be used for virtually anything – covering payroll, inventory, marketing expenses, or daily operating costs. Many of our customers use it to manage rapid growth, cover the gap in long accounts receivable cycles, and as a safety net when unexpected expenses arise.

More info about finance structures…

Your finance structure can be tailored to maximize your tax benefits. Whether you need a large write-off this year (Section 179) or prefer to spread your savings over time, we can help steer you to the right finance option.

Need: A fast, large, bulk write-off.
Utilizing Section 179 (or Bonus Depreciation) with an EFA or Capital Lease is the way to go! With the deduction you may be able to expense 100% of the cost of equipment in the year it was purchased.

Need: Savings spread over time.
If you’d prefer to deduct monthly payments throughout your entire term, a Tax Lease will have you covered. Tax savings aren’t limited to your first year like Section 179.

Want to calculate your potential tax savings? Use our calculator!

Tax savings are unique to each business and situation. Geneva Capital recommends consulting your tax advisor.

Geneva Capital loves helping new businesses succeed! Whether you’re just getting off the ground or are looking to expand after initial growth, you can count on us to provide flexible finance options for your new venture.

While businesses of less than 2 years may not qualify for special promotions, we have a lot of great finance options with flexible structures to help you get the equipment you need to grow with a payment that fits your budget!

More about start-up financing…

Applying and financing with Geneva Capital is simple and straightforward. Most of the time we’ll only need you to complete a 5-minute credit application and submit your last 3 bank statements. Our team takes it from there.

In special circumstances we may need a little more info about your financials, but it’s pretty rare (and we’ll guide you along every step of the way)!